Online Security is a top priority with the State Bank of Richmond . We are committed to providing safe and secure access to your accounts through Online Banking and have taken all the precautions necessary to ensure the highest level of protection. You can be sure that access to your account(s) and your account information is private, secure and confidential. User ID and Password – You are assigned a specific User ID and Initial Password when you first sign up for Online Banking. Your password should never be written down or shared with anyone. Passwords are required to be changed every 90 days and need to consist of both alpha and numeric characters. If you forget your User ID or Password, contact us at 320-597-2145 and we will reset your password after we verify your identity. We suggest to always logout or close your browser after completing your online transactions. Advanced Authentication for Online Banking Security
– We provide dual authentication for our Online Banking Customers.
The first part involves user authentication – how we identify you
when you log into Online Banking. For computers that you use regularly
to access Online Banking, you will have the opportunity to “register”
that computer with us. Logging in using a known computer gives us
another way of identifying you. You will be asked to set up a series
of Challenge questions, which will be used to help identify you
when you are logging into Online Banking from an unknown computer.
Encrypted Software – Once your Online connection is established your User ID and Password are encrypted using Secure Socket Layer (SSL) technology. Secure Socket Layer encryption protects information sent over the Internet by scrambling the information into a secret code, keeping your information secure and ensuring that no one else can read it. You can determine that encryption is being used and that you are connected to a secure server by looking for two things:
Our Privacy Policy – We are serious about protecting your privacy and will follow our procedures to ensure the safety of your account information. Click here to view our Privacy Policy. Protect Your PC - To prevent computer problems and keep your information safe, it is extremely important to take preventative measures by using anti-virus software and following these guidelines:
E-mail sent from the State Bank of Richmond – We will NEVER send emails requesting personal information. We will NEVER ask you to “verify” information. We will NEVER ask you to click on a special site link to do so. While emails of this nature may look like they are from us, and even use our logo, they are most likely a “phishing” scam (see “Phishing” description below). DO NOT ANSWER THEM. If you receive an email supposedly from us, please call us to confirm it first.
Identity Theft is when someone steals your personal information to use for illegal purposes – it is a crime that can damage your credit, your reputation, and your peace of mind. You can reduce the possibility of becoming a victim by keeping your personal information secure. How to Protect Yourself
Identity Theft Resources www.ag.state.mn.us – Minnesota Attorney General’s Office publication Guarding Your Privacy http://www.consumer.gov/idtheft/ - The Federal Trade Commission’s Identity Theft Site http://www.usdoj.gov/criminal/fraud/idtheft.html - Department of Justice Web site http://www.ic3.gov – Internet Crime Complaint Center
Phishing involves the use of seemingly legitimate e-mail messages and Internet Web sites to deceive you into disclosing sensitive information, such as account information, Social Security numbers, credit card numbers, passwords, and personal identification numbers (PIN’s). In most phishing schemes, the fraudulent e-mail message will request that you “update” or “validate” your personal information in order to maintain their accounts, and direct you to a fraudulent Web site that may look very similar to the Web site of the legitimate business. These Web sites may include copied or “spoofed” pages from legitimate Web sites to further trick the recipient into thinking they are responding to a bona fide request. Additional information regarding Phishing and tops to protect yourself against online fraud can be found online at www.fraud.org. Act immediately if you’ve been hooked by a phisher. If you provided account numbers, PIN’s, or passwords to a phisher, notify the companies with whom you have the accounts right away. For information about how to put a “fraud alert” on your files at the credit reporting bureaus and other advice for ID theft victims, contact the Federal Trade Commission’s ID Theft Clearinghouse, www.consumer.gov/idtheft or toll-free, 877-438-4338. The TTD number is 202-326-2502. Even if you didn’t get hooked, report Phishing: We suggest reporting phishing e-mails or spoofed Web sites to any of the following groups:
‘Pharming’ – Pharming is the process of redirecting Internet domain requests to false Web sites to collect personal information. Information collected from these sites may be used to commit fraud and identity theft. Internet Banking customers should install current versions of virus detection software, firewalls and spyware scanning tools to reduce computer infections, and regularly update these tools to combat new threats. Spyware - Spyware is a form of software that electronically collects – or can intercept - personal and confidential information about a person without their knowledge or informed consent, and reports it to a third party. The data collected may include account numbers, Social Security numbers, passwords, or other sensitive and personal information that puts privacy at risk. It may be installed on your computer by being downloaded with other Internet downloads in a practice called “bundling”. In many cases, all the licensing agreements on software you download may be included in one pop-up window that, unless read carefully, may leave the user unaware of “bundled” spyware. It can also be automatically downloaded when a user opens or views unsolicited e-mail messages. Spyware may cause further damage to your computer by installing other spyware programs onto your computer. It may relax your computer’s security settings or firewall, resulting in the hacker eavesdropping and possibly intercepting sensitive communications you type in. It may monitor keystrokes or view e-mail messages, all of which may lead to a compromise of your system. Attackers have the ability to control computers to send unsolicited “junk” e-mail (SPAM) or malicious software (Malware), or to perform denial of service (DoS) attacks against other organizations. Spyware can drain your system’s resources and productivity, even when you are not browsing the Internet, resulting in large amounts of unwanted pop-up advertisements. Spyware Detection and Prevention
Here is a list of recommendations to follow in order to avoid becoming a victim of scams:
Order a free copy of your credit report every year from the three credit reporting agencies and make sure all the information is correct, especially your name, address, and Social Security number. Look for indications of fraud, such as unauthorized applications, unfamiliar credit accounts, credit inquiries and defaults and delinquencies that you did not cause. You can call one number (1-877-322-8228), and request the report from all three credit bureaus at one time or you can call each one separately as listed below. You can also request your free report by visiting the Web site www.annualcreditreport.com. Equifax – www.equifax.com
Experian – www.experian.com
Trans Union – www.transunion.com
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