Online and Mobile Banking Security

Online Banking Security Tips

Be proactive to keep your information secure:

  • Memorize your ID and Password. NEVER share them with anyone and NEVER write them down.
  • Do not allow your browser to save your passwords.
  • Change your password regularly.
  • Don’t use the same password for all your online activities. Passwords used to protect your online banking, trading and other financial activities should be unique, complex and separate from those used for email and social networking sites.
  • Review account activity regularly and immediately report unauthorized activity.
  • Properly log off after every session.

PC Protection Tips

  • Keep your computer operating system and browser current. Software developers are continually working to update their applications to combat new threats. In order to ensure your online banking activities remain secure, it's important to keep your operating system and browser version updated.

    The information below provides links to the latest versions of each browser.  When you click on your browser type, it may or may not confirm that your browser is already updated. If it doesn't, you will be provided with an option to download the new version. 

    Windows Users: Mac Users:
    Internet Explorer Safari
    Microsoft Edge Google Chrome
    Mozilla Firefox Mozilla Firefox
    Google Chrome  

    At a minimum, you should be using one of the operating systems shown below for your desktop. In addition, all updates should be made on your mobile and/or tablet devices.   

    Windows: Windows 7 or 8

    Mac: OS X 10.6 or 10.8

  • Install a firewall. Most current operating systems, such as Windows 7 and 8, come with one already installed. Make sure it is on and configured.
     
  • Use Anti-Virus (AV) software and keep it up-to-date. Configure the system to update its definitions frequently. Allow it to scan files in real-time and schedule a full system scan weekly.
     
  • Use Anti-Spyware software and keep it up to date. Often, commercially available anti-virus software also includes anti-spyware, anti-phishing and a firewall. Utilize all the tools provided with your software.
     
  • Physically secure your computer. Don’t leave laptops unattended in public places such as coffee shops and airports. When travelling, utilize the safe in your room. Always lock your device in your trunk instead of leaving it visible within the car.
     
  • Utilize Wireless Routers with the strongest encryption available and change default passwords.
     
  • Never use public computers and “Free Wi-Fi” or “hot spots” to access your accounts.
     
  • Be cautious of opening attachments or clicking links in emails. Don’t open email attachments or click hyperlinks in an email unless you are sure the sender is someone you know and trust. Even if it is someone you know, if the message seems odd, call them to validate it before taking action. Take note of the look and feel of the online banking pages. If additional entry options appear asking you for more than your ID and Password, contact us immediately.

Additional Resources:

National Cyber Security Alliance

Visit the National Cyber Security Alliance website for more information on cybersecurity awareness and safe online behavior.

Federal Bureau of Investigation (FBI)

Visit the FBI website for current scams and additional information to help keep you from becoming a victim of crime and fraud.

OnGuardOnline.gov

OnGuardOnline provides information from the federal government about securing your computer and protecting your children online.

Remember, ACNB Bank will never:

  • Call, email or text you asking for your Online Banking password, Wire PIN, token codes, account numbers or debit card numbers. If you receive such a call, email or text message, do NOT give out any information.
  • Direct you to a website that asks you to update your personal account information.
  • Send an email to you containing computer software updates.
  • Email or text you about a problem with your account. Some of our Online Banking services do send email and text activity alerts. Please become familiar with the appearance of these alerts. If you question any alert you receive, please call us.
  • Visit your place of business and request to perform maintenance on your computer.

Important: If you receive a phone call, email, text message or visit to your place of business that you question, please take the time to call and ask us to validate the communication before taking any other action. Do not use the contact information provided in the email or text message you receive. Use the number advertised on our web site or on the back of your debit/credit card so you know you are speaking to us.

Need more information?

Call 1.888.334.ACNB (2262) or email us at .

Mobile Device Protection Tips

If you have a smartphone or tablet, below are some tips you’ll find useful to keep it and the information stored on the device safe and secure.

  • Secure access to your mobile devices at all times by applying a strong password to your device. Ensure it is set to automatically lock after a short period of time of not being used. Your smartphone or tablet contains a great deal of personal information about you, so it’s important to keep it secure.
     
  • Never share your mobile device password with anyone.
     
  • Mobile devices are similar to any other computing device in that they require routine maintenance, software updates and patches.  Make sure your mobile device is updated with the latest operating system version and software patches available.
     
  • Use a good Anti-Virus software package for your mobile device if available. 
  • Do not allow the device to save your mobile banking passwords.

  • Use caution downloading and installing Apps:
    • Only download apps from the approved App Store of the manufacturer.
    • Check the app’s reviews, not just the first ones listed, but look at as many as you can to determine if it is safe to use.
    • Before you download any app on your device, review the privacy policy and understand what specific data the app can access. Make sure that any permission the app asks for are those that you really want to allow. Some apps will ask permissions to functions on your device that could allow undesirable access
  • Don’t use public or unsecured “Wi-Fi” to conduct financial transactions.
     
  • Be cautious of opening attachments or clicking links in emails, texts, tweets, and social network postings. Don't open attachments or click hyperlinks in an email unless you are sure the sender is someone you know and trust. Even if it is someone you know, if the message seems odd, call them to validate the message before taking action.
     
  • “Jailbreaking” or “Rooting” is a method of “self-hacking” your mobile device. This makes your device more susceptible to malware and other malicious programs. If you use your device for Online Banking, we advise you NOT to jailbreak or root your devices.
     
  • If your device is lost or stolen and you use online banking, report it to us immediately by calling 1.888.334.ACNB (2262) or locally at 717.334.3161.

Additional Resources:

National Cyber Security Alliance

Visit the National Cyber Security Alliance website for more information on cybersecurity awareness and safe online behavior.

Federal Bureau of Investigation (FBI)

Visit the FBI website for current scams and additional information to help keep you from becoming a victim of crime and fraud.

OnGuardOnline.gov

OnGuardOnline provides information from the federal government about securing your computer and protecting your kids online.

Remember, ACNB Bank will never:

  • Call, email or text you asking for your Online Banking password, Wire PIN, token codes, account numbers or debit card numbers. If you receive such a call, email or text message, do NOT give out any information.
  • Direct you to a website that asks you to update your personal account information.
  • Send an email to you containing computer software updates.
  • Email or text you about a problem with your account. Some of our Online Banking services do send email and text activity alerts. Please become famiilar with the appearance of these alerts. If you question any alert you receive, please call us.
  • Visit your place of business and request to perform maintenance on your computer.

Important: If you receive a phone call, email, text message or visit to your place of business that you question, please take the time to call and ask us to validate the communication before taking any other action. Do not use the contact information provided in the email or text message you receive. Use the number advertised on our web site or on the back of your debit/credit card so you know you are speaking to us.

Need more information?

Call 1.888.334.ACNB (2262) or email us at .

Wireless Network Protection Tips

  • Use Encryption. Encryption scrambles the information you send over the Internet into a code so that it is not accessible to others. Encrypting the connection between your computer and your wireless router is the most effective way to secure your network from unwanted guests.
    • Two main types of encryption are available: Wi-Fi Protected Access (WPA) and Wired Equivalent Privacy (WEP). Your computer, your router and other equipment must use the same type of encryption. WPA2 is the strongest and we suggest you use it if you have a choice.
    • Some older wireless routers only use WEP encryption, which is the weakest form and is easily hacked. Consider buying a new wireless router with WPA2 capability.
    • Wireless routers often come with the encryption feature turned off. You MUST turn it on. The directions that came with your router should explain how. If they don't, check the company's website or contact your local computer expert.
  • Secure Your Computer and Wireless Router.
    • Use anti-virus and anti-spyware software, as well as a firewall, on your computer and keep your software up-to-date.
    • Change the name of your wireless router from the default. The name of your router, often called the “service set identifier” or SSID, is likely to be a standard, default ID assigned by the manufacturer. Change the name to something unique that only you know.
    • Change your wireless router’s pre-set administrative password. This is a critical step. Hackers know the pre-set passwords, so change it to something only you know. Use passwords that are at least eight or more characters long and have a combination of upper case letters, lower case letters, numbers and symbols. Remember, the longer the password, the tougher it is to crack.
  • Limit Access to Your Network.
    • Allow only specific computers to access your wireless network. Every computer that is able to communicate with a network is assigned a unique Media Access Control (MAC) address. Wireless routers usually can be configured to allow only devices with a particular MAC address to access the network. The directions that came with your router should have instructions on how to configure this feature. If you have difficulty, consider contacting your local computer expert. Keep in mind though that some hackers have mimicked MAC addresses, so don't rely on this step alone.
    • Turn off your wireless network when it's not in use. If you turn off your router when you are not using it, you limit the amount of time that it is susceptible to hackers.

Remember, ACNB Bank will never:

  • Call, email or text you asking for your Online Banking password, Wire PIN, token codes, account numbers or debit card numbers. If you receive such a call, email or text message, do NOT give out any information.
  • Direct you to a website that asks you to update your personal account information.
  • Send an email to you containing computer software updates.
  • Email or text you about a problem with your account. Some of our Online Banking services do send email and text activity alerts. Please become familiar with the appearance of these alerts. If you question any alert you receive, please call us.
  • Visit your place of business and request to perform maintenance on your computer.

Important: If you receive a phone call, email, text message or visit to your place of business that you question, please take the time to call and ask us to validate the communication before taking any other action. Do not use the contact information provided in the email or text message you receive. Use the number advertised on our web site or on the back of your debit/credit card so you know you are speaking to us.

Need more information?

Call 1.888.334.ACNB (2262) or email us at .

Member FDIC