Security and Fraud Tips

When you hear about a data breach in the news, it's good to know that State Bank of Countryside continually works to protect your account. We have sophisticated fraud-monitoring tools and experts who actively monitor your account for abnormal spending patterns and ATM activity. If we see something unusual, we move fast to keep your card – and your personal information – safe.


Is there anything I need to do?


Please continue to use your State Bank of Countryside Debit Card with confidence. We believe the best defense is a good offense. So, as a precaution, we ask that you monitor your account and transactions carefully. It's wise to regularly review your purchases in Online Banking or on your statement. If you see anything unusual, please contact us immediately at 708-485-3100. Read below about what other things you can be doing to protect your accounts!


User ID and Password Guidelines

• Create a "strong" password with at least 8 characters that includes a combination of mixed case letters, numbers, and special characters.


• Change your password frequently.


• Never share username and password information with third-party providers.


• Avoid using an automatic login feature that saves usernames and passwords.



General Guidelines

• Do not use public or other unsecured computers for logging into SBC Internet Banking.


• Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.


• View transfer history available through viewing account activity information.


• Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic record keeping.




• Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.


• Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.


• Never leave a computer unattended while using SBC Internet Banking.


• Never conduct banking transactions while multiple browsers are open on your computer.


Phishing and Pharming

"Phishing" refers to unsolicited emails that look like they are from a trusted company or institution but are really from Internet fraudsters. Sometimes these messages will direct you to a bogus website that looks like a legitimate organization's website. These type of emails, pop-up messages and bogus websites are attempts at luring you into providing the fraudster with your personal information, such as credit card numbers, bank account information, passwords and other sensitive information. "Pharming" crimeware misdirects users to fraudulent sites or proxy servers, typically through DNS hijacking or poisoning.


If you get an unsolicited email or pop-up message that asks for personal or financial information, do not reply to it and do not click on the link in the message. Instead, you should contact the organization mentioned in the email using a telephone number you know is genuine. You could also open a new Internet browser session and type in the company's correct Web address yourself.


Tips to Help Avoid Phishing and Pharming Scams

• Note that State Bank of Countryside will never request your confidential information through email. If you receive an email pretending to be from State Bank of Countryside that asks for your personal or financial information, please contact us immediately.


• Do not open e-mail from unknown sources. Be suspicious of e-mails purporting to be from a financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.


• Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail. Call the purported source if you are unsure who sent an e-mail.


• Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.


• Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.


• Ensure computers are patched regularly, particularly operating system and key applications.


• Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.


• Check your settings and select, at least, a medium level of security for your browser.


• Clear the browser cache before starting any SBC Internet Banking session to eliminate copies of web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser's preferences menu.



Computer Security

Here are some ways to protect yourself and your personal information when using your computer:

  • Install anti-virus and anti-spyware software on your computer. You should use your anti-virus software to run scans on your computer files weekly to check for viruses.
  • Your passwords should contain a mix of letters and numbers. Avoid using birthdays, Social Security numbers or anything easily associated with you. Make sure that you change your passwords regularly and do not share your passwords with anyone.
  • If you have Microsoft Windows, download and install the Microsoft security patches to keep your computer up to date. You can set up your computer to automatically download all of the patches for you or you can download and install only the patches that you want.
  • Use a personal firewall on your computer. A firewall prevents outsiders from gaining unauthorized access to your computer and installing spyware, viruses, or other applications on your machine. Most new personal computers will come with firewall software already enabled but you should double-check your computer to make sure.
  • If you get an unsolicited email or pop-up message that asks for personal or financial information, do not reply to it and do not click on the link in the message. Instead, you should contact the organization mentioned in the email using a telephone number you know is genuine or open a new internet browser session and type in the company's correct Web address yourself.

Note that State Bank of Countryside will never request your confidential information through email. If you receive an email pretending to be from State Bank of Countryside that asks for your personal or financial information, please contact us immediately.



SBC Business Internet Banking - Administrative User Tips


• Prohibit the use of "shared" usernames and passwords for SBC Business Internet Banking.


• Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or other viruses.


• Dedicate and limit the number of computers used to complete online banking transactions; do not allow Internet browsing or e-mail exchange and ensure these computers are equipped with latest versions and patches of both anti-virus and anti-spyware software.


• Delete online user IDs as part of the exit procedure when employees leave your company.


• Assign dual system administrators for online cash management services.


• Use multiple approvals for monetary transactions and require separate entry and approval users.


• Establish transaction dollar limits for employees who initiate and approve online payments such as ACH batches, wire transfers, and account transfers.



Identity Theft


Identity theft occurs when someone steals your personal information and uses it to establish credit, borrow money, charge items, or even commit crimes in your name.

Here are some more tips on how to protect yourself from this growing crime:


Shred any financial statements, receipts, cancelled checks, and pre-approved credit card offers you have received but don't plan to use.

Remove mail promptly from your mailbox. Never use your mailbox for outgoing mail because identity thieves raid mailboxes for credit card offers and statements.

Under no circumstances should you give out your social security number, credit card numbers, account numbers or Personal Identification Numbers (PINs) to anyone via email or over the phone.

Be sure to review your credit report each year. If someone is applying for credit in your name, a copy of your credit report may help point this out. You can obtain a free credit report once a year from each of the credit reporting agencies (Experian, Equifax and TransUnion) by calling 877-322-8228 or going to www.annualcreditreport.com.


Some of the signs that you may be a victim of Identity Theft include:

Fraudulent charges on your credit card statement

Receiving bills for goods or services that you didn't request

Suspicious inquiries on your credit report

Phone calls from creditors

Suddenly being denied credit


If you think that you are a victim of Identity Theft, you should take the following steps:

Contact your credit card company and your financial institution to close accounts that have been fraudulently accessed or opened.

You should also contact the fraud department at any one of the three major credit bureaus—Equifax at 800-525-6285, Experian at 888-397-3742 or TransUnion at 800-680-7289. The credit bureau you contact will share the information with the other two and a "fraud alert" will be placed in your credit file at all three companies.

Call the Social Security Fraud Hotline at 800-269-0271.

File a report with the police and get a copy of the report in case you need proof of the crime for your credit card companies or financial institutions.

Notify the Federal Trade Commission at 877-438-4338 or go to www.consumer.gov/idtheft.


ATM Safety

Here are some tips for you to keep in mind when using an ATM:

Have your ATM card ready and in your hand when you approach the machine. Be aware of your surroundings throughout the transaction. Be wary of people offering help or of anyone sitting in a parked car nearby. When leaving the ATM, make sure that you are not being followed. If you are, drive immediately to a police or fire station.

Do not use an ATM that appears unusual looking or offers unfamiliar options.

Don't write your Personal Identification Number (PIN) on your card. Also, don't give the number out to anyone, including friends and family. Do not let people look over your shoulder as you enter your PIN.

Never count your cash at the machine or in public. Wait until you are in a secure place.

Maintain a supply of deposit envelopes at home or in your car. Prepare all transaction paperwork prior to your arrival at the ATM. This will minimize your time at the ATM.


Shopping Online

When shopping online, you should make sure the website you are shopping at is secure by looking for a padlock or key image at the bottom right of your browser window. You should not provide account information on a website that isn't secure. Also, use the log off or log out button to end a secure session instead of just closing your browser. If you are using Internet Explorer, make sure you are running the latest version. Another tip is that you can check your browser to make sure it has the security of 128-Bit Encryption. To do this, open up your Internet Explorer and click on the Help button at the top of your browser. Next, click on About Internet Explorer and then see if the Cipher Strength is at 128-bit.


Secure Sign On

Secure Sign On adds another level of Security to Online Banking, offering further protection from online fraudulent activity.


Secure Sign On protects you from identity theft and fraud in two ways:

  • You will know you are in the right place: Secure Sign On provides you with visual cues when you sign on, so you know that you are on our website and it is safe to enter information; this will help you protect yourself from fraudulent look-alike sites
  • We will know it's really you: Secure Sign On helps us ensure that only authorized individuals can access financial information online

Additional Resources

For more information about protecting your personal information, visit these websites:

-www.onguardonline.gov

-www.fdic.gov

-www.ftc.gov