Protect Your Identity
Criminals are conspiring every day to find ways to get your personal or bank information from you. And not just on the Internet, some may even call saying they are an employee of a bank or a credit card company.
Protect Your Personal Information
The Honesdale National Bank has security measures to protect your account information, but they can’t be as effective without your help. Many account hijacking attempts begin by criminals hacking into individual user accounts, and from there electronically breaking into the bank using your information and security codes.
Ways to protect your personal information:
Use Strong Passwords - Experts advise a combination of letters and numbers, and they advise against using easily guessed passwords such as birthdays or home addresses.
Anti-Virus Protections - Make sure the anti-virus software on your computer is current and scans your email as it is received.
Email Safety - Email is generally not encrypted so be wary of sending any sensitive information, such as account numbers or other personal information, in this way.
Sign Off and Log Out - Always log off by following HNB’s secured exit procedures.
Don’t Get Phished - Don’t respond to any unusual email requests for personal information. When you opened your bank accounts you already gave it. When in doubt, call HNB at 570-253-3355 or 800-462-9515.
Monitor Your Accounts - When you check your accounts regularly, you can let HNB know immediately if you encounter anything that does not seem right. Sign up for HNB’s NetTeller Online Banking, Mobile Banking App, or email/text alerts. Studies show that those who monitor their accounts online often detect fraud earlier than those who rely solely on paper statements.
Phishing Scams: Don’t Take the Bait
Internet phishing scams, like other forms of fraud, prey on the unwary.
Phishing con artists claim to be from a reputable company and send out thousands of fake emails and fake web page images in hopes that consumers will respond with account information, credit card numbers, passwords, or other sensitive information. This information can then be used by the thieves to order goods and services or obtain credit.
A phishing email can look quite convincing, with company logos and banners copied from actual, legitimate websites. Often, they will tell recipients that their security procedure has changed or that they need to update (or validate) personal information, and the recipients will be directed to a look-alike website. Phishing attempts may also try to impart a sense of urgency to get recipients to respond before thinking through the situation.
Tips to Thwart Phishing
- Never give out personal financial information in response to an unsolicited phone call, fax, or email, no matter how official it may seem.
- Do not respond to emails that may warn of dire consequences unless you validate your information immediately. Contact the company to confirm the email’s validity using a telephone number or web address you know to be genuine.
- Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies immediately.
- When submitting financial information online, look for the padlock or key icon at the bottom of your internet browser. Also, many secure internet addresses, though not all, use “https” to signify that your information is secure during transmission.
- Report suspicious activity to the Internet Crime Complaint Center, http://www.ic3.gov/, a partnership between the FBI and the National White Collar Crime Center.