Businesswoman making online payments
First National Bank in Fredonia continually makes investments in state-of-the-art online banking security to ensure we protect the confidentiality of every customer’s online information and to provide the utmost security of every user. We will never e-mail, call or otherwise ask you for your user names, password or other electronic banking information.
Computer Protection Tips:
- Update your computer operating system on a regular basis.
- Keep your browser current with the latest security updates.
- Use updated anti-virus software.
- Use updated anti-spyware software and consider using more than one, to ensure the most thorough scan.
- Change your passwords on a regular basis, as a good practice to help prevent unauthorized access (at least every 90 days).
- Monitor your account activity on a regular basis.
- Make sure your password is a mixture of letters, numbers, and special characters; the more complicated the password, the harder it is to crack.
- Keep your passwords safe. Never keep them written down and left in the open.
- Log off of online accounts when you are finished, do not just close the page or “X” out.
- Download free software only from websites you know and trust.
- Do not install software without knowing exactly what it is or what it will do (read the end-user license agreement).
- Close pop-up ads by clicking on the “X” instead of clicking within the advertisement itself.
- Review your browser security settings and set them to a high enough level to help detect unauthorized downloads. (Click your browser’s “Help” menu for steps).
- Do not click link inside of spam email. Especially emails claiming to offer anti-spyware software.
- Install a personal firewall on your computer. A firewall works like a filter that prevents access to information on your computer.
- Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.
In addition to personal security, we suggest you take the following steps to secure your commercial accounts and assess the risks that go along with commercial accounts as well:
- Take the same password precautions as suggested with personal accounts.
- Assess the possibility of internal fraud or theft, along with the lack of dual control or other checks and balances over individual access to online transactions.
- Do not delay in termination the rights of former employees. Contact the bank anytime there is a change in employee rights or ownership, and initiate a policy and process to terminate access for former employees.
- Conduct employee background checks as well as internal or third party audits of controls.
- Segregate duties among two or more people so no one person has too much control or access.
Federal regulations provide consumers with some protections for electronic fund 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 fund 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 disclosures that we provide to you at the time of account opening for more information on these types of protections.
Contact us immediately at (620) 378-2151 if you notice any suspicious or unusual activity related to any of your First National Bank accounts.
NOTICE: FNB will never request customers to update their account information via e-mail. If you receive a request of this nature, please contact the bank immediately. Also note, any e-mail message sent via this web site is sent via normal e-mail and is not encrypted. Please do not include any sensitive information such as account numbers, usernames or passwords in the e-mail