Security is of the utmost concern at FNBC. That is why we have 128-bit technology in our secure Online Banking program.
For added security, we encourage you to avoid responding to any email from a sender claiming to be bank personnel unless their email address is routed to fnbc.us. This means that the only letters after the @ symbol in their email address should be fnbc.us. We also want to remind our Online Banking customers that we will never ask for your password. If you are asked for your password by anyone, including someone claiming to work for FNBC Bank, do not release that information. If you forget your password, we will simply reset it with an authorization call from you.
If an authorized signer on your account would like access to your accounts through our Online Banking program, this individual will need to enroll separately and create his or her own password. Please, do not share your password with anyone.
Identity Theft Protection
Identity Theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money, and can destroy your credit and ruin your good name.
Tips to Guard your Personal Information
- Shred financial documents and paperwork with personal information before you discard them.
- Protect your Social Security Number.
- Don’t give out personal information on the phone, through the mail, or over the Internet unless you know with whom you are dealing.
- Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
Online Banking Best Practices
- Use complex passwords with at least 8 characters that include a combination of mixed case letters, numbers and special characters.
- Never share your username and password information with anyone.
- Avoid using an automatic login feature that saves usernames and passwords.
- Do not use public or other unsecured computers for logging into your personal Online Banking account.
- Check the last login date/time every time you log on.
- Review account balances and detail transactions regularly and immediately report any suspicious transactions to your bank.
- Do not use account numbers, your Social Security number, or other account or personal information when creating account nicknames.
- Never leave a computer unattended while using Online Banking.
- Never conduct banking transactions while multiple browsers are open on your computer.
Business Online Banking Best Practices
- Do not allow the use of shared usernames and passwords.
- Limit the number of computers used to complete Business Online transactions; ensure these computers are equipped with the latest versions and patches of both anti-virus and anti-spyware software.
- Delete online user IDs when employees leave your company.
- Assign dual system administrators for online cash management transactions.
- Establish transaction dollar limits for employees who initiate and approve online payments such as ACH, wire transfers and account transfers.
Mobile Banking Best Practices
- Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
- Log out completely when you finish a mobile banking session.
- Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
- Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
- Download the updates for your phone and mobile apps.
- Avoid storing sensitive information like passwords or a social security number on your mobile device.
- Tell your financial institution immediately if you change your phone number or lose your mobile device.
- Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
- Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
- Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
- Watch out for public Wi-Fi. Public connections aren’t very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
- Report any suspected fraud to your bank immediately.
Tips to Avoid Phishing, Spyware and Malware
- Do not open any emails from unknown sources. Be suspicious of emails portraying to be from a bank, government department or other agencies requesting account information, account verification or banking access credentials such as usernames, passwords or PIN codes.
- Never respond to a suspicious email or click on any hyperlinks embedded in the suspicious email.
- If an email from your bank seems suspicious, contact your bank by phone or in person.
- Install anti-virus and spyware detection software on all computer systems.
- Update computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.
- Install and actively manage a firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable.
- Check your settings and select at least a medium level of security for your browsers.
- Clear your browser cache before starting any Business Online banking session. This function is generally found in the browser’s preference menu.
- Online Banking does not use pop-up windows to display login messages or errors. They are displayed directly on the login screen.
- Online Banking never displays pop-up messages indicating that you cannot use your current browser.
- Online Banking error messages never include an amount of time to wait before trying to login again.
- Repeatedly being asked to enter your password/token code are signs of potentially harmful activity.
Tips for Online Payments
- When you have completed a transaction, ensure you log off.
- Use pre-notification transactions to verify that account numbers within your ACH payments are correct.
- Reconcile by carefully monitoring account activity and reviewing all transactions initiated by your business on a daily basis.
Getting Your Credit Report
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian and Trans-Union – to provide you with a free copy of your credit report, at your request, once every 12 months.
To order your free annual report from one or all the national consumer reporting companies, visit www.annualcreditreport.com, or call Toll-Free 1-877-322-8228.
Additional information is available at ftc.gov/idtheft
Identity Theft Victims
If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of all correspondence:
- Place a fraud alert on your credit reports and review your credit reports. Contact any one of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three agencies to place an alert.
P.O. Box 740241
Atlanta, GA 30374-0241
P.O. Box 9532
Allen, TX 75013
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
- Close the accounts that you know or believe may have been tampered with or opened fraudulently. Call and speak with someone in the security or fraud department of each company. Follow up in writing and include copies (not originals) of supporting documents. Use the ID Theft Affidavit at ftc.gov/idtheft to support your written statement. Ask for verification that the disputed account has been closed and the fraudulent debts discharged. Keep copies of documents and records of your conversations about the theft.
- File a police report. Filing a report with law enforcement officials may help you with creditors who want proof of the crime.
- Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.
Phone: 1-877-ID-THEFT (438-4338)
Mail: Identity Theft Clearinghouse
Federal Trade Commission
Washington, DC 20580