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We're looking out for you

You want to protect and defend your assets. We're here to help you with the knowledge and resources to do just that. Below is some information which helps address some of the most prevalent security threats active today.
View current alerts

Conducting Online Transactions

Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeovers and fraudulent electronic funds transfers.

In order to ensure the security of your online transactions, we want you to know that we will never email, call or otherwise ask you for your user name, password or other electronic banking credentials.

How You Can Help to Protect Yourself

Alternative Risk Control Processes
  • Making sure you choose an adequate user name and password that, at a minimum, mixes in small case letters, upper case letters and numbers
  • Periodically changing your password (e.g., at least every 90 days)
  • Safeguarding your user name and password information
  • Making sure you have a firewall in place when conducting your financial transactions
  • Logging off the system when you're done conducting business (don't just close the page or "X" out of the system)
  • Monitoring your account activity on a regular basis

New Resource for Identity Theft Victims

The Federal Trade Commission has announced the launch of a new website, IdentityTheft.gov, a resource that makes it easier for victims to report and recover from identity theft. The new website provides an interactive checklist that walks people through the recovery process and helps them understand which recovery steps should be taken upon learning their identity has been stolen. It also provides sample letters, specialized tips for specific forms of identity theft, and advice for people who have been notified that their personal information was exposed in a data breach.
A Spanish version of the site is also available.

Commercial Account Risk Assessment and Controls Evaluations

Make a list of the risks related to online transactions that your business faces, including:
  • Passwords being written down and left out in the open
  • The use of old or inadequate passwords
  • The possibility of internal fraud or theft
  • Delays in terminating the rights of former employees
  • The lack of dual control or other checks and balances over individual access to online transaction capabilities
An evaluation of controls your business uses may include:
  • Using password protected software to house passwords in
  • Conducting employee background checks
  • Initiating a policy and process to terminate access for former employees
  • Segregating duties among two or more people so no one person has too much access or control
  • Conducting internal or third party audits of controls
  • Using firewalls to protect from outside intrusion or hackers
Security image

Federal regulations provide consumers with some protections for electronic funds transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer's liability for unauthorized electronic funds transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections. These disclosures are also available online (or ask us and we will gladly provide you with a copy).

E-Mail Account Compromise (EAC) Scam

Source: FBI
Date of Alert: 8/27/2015

E-mail Account Compromise (EAC) is a sophisticated scam that targets the general public and professionals associated with, but not limited to, financial and lending institutions, real estate companies, and law firms. The EAC scam is very similar to the Business E-mail Compromise (BEC) scam, except that it targets individuals rather than businesses. Read more about the EAC scam.

ACH Fraud Alert

Source: Bartalex
Date of Alert: 5/1/2015

Macro-wielding attackers are increasingly using cloud services to evade existing defenses. Trend Micro, for example, reports this week that it's seen a recent flurry of spam emails that have Bartalex macro malware attached. The social-engineering attack tells recipients that their Automated Clearing House electronic-funds transfer was declined, and invites the recipient to click a link to "view the full details," which leads to a Dropbox page that lists specific instructions, including the need to enable Microsoft Office macros, says Trend Micro fraud analyst Christopher Talampas in a blog post. If users fall for the ruse, the macro runs and attempts to load the Dyre banking malware. Talampas says this particular Dyre variant "targets banks and financial institutions in the United States."

FBI Public Service Announcement

Source: FBI InfraGard
Date of Alert: 4/8/2015

A public service announcement from the FBI's Internet Crime Complaint Center (IC3) can be accessed by clicking this link:

FBI Public Service Announcement

Source: FBI InfraGard
Date of Alert: 4/8/2015

A public service announcement from the FBI's Internet Crime Complaint Center (IC3) can be accessed by clicking this link:

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Effective July 21, 2010, the basic limit on federal deposit insurance coverage was permanently increased from $100,000 to $250,000 per depositor.
Important disclosures regarding the guarantee program.
Securities and Insurance Products not insured by FDIC or any Federal Government Agency - May lose value - Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate.
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