Security Tips

Slider Images4

First Missouri Bank strives to provide a safe environment for employees, customers, vendors and visitors. The Bank continues to maintain and update effective security programs to protect against a variety of operational and transactional risks, including crime, fraud and natural disaster. Many laws and regulations intensify regulatory attention on the Bank’s policies and procedures to safeguard your personal information. As threats to security change and technology improves, it become necessary and essential for our systems to be upgraded to maintain a secure operating environment.

First Missouri Bank is committed to deliver the highest level of security for our Internet banking customers to ensure that your information is secure, protecting you from fraud and identity theft. The Bank maintains physical, electronic and procedural safeguards to guard your nonpublic personal information.

 

The telephone is one of the most common sources of criminal activity and millions of people are scammed every year. As a general rule, you should be highly suspicious any time you are requested to provide personal information over the phone. Here are some additional tips to remember to avoid falling victim to these scams:

  • Never offer personal or account information over the phone without verifying the caller’s identity. Don’t rely on caller ID, that can be spoofed.
  • If the caller insists they have to speak with you, hang up and initiate the call yourself using a known phone number.
  • Resist pressure to make an immediate decision. Scammers don’t want to give you time to “think” about their pitch, they just want you to say “yes” and will pressure you into doing so.
  • Don’t respond to recorded messages (robocalls) where you hear a recorded message rather than a live person. Simply hang up.

Personal financial information and passwords for financial services should not be provided in response to telephone calls, emails, text messages, mobile phone applications, social media messages or unfamiliar or suspicious websites.

Any device used to connect to the Internet should be protected. Here are some things you can do to protect the data on your mobile device:

  • Set and enable an automatic passcode lock on your device to lock when not in use.
  • Use caution when downloading apps. Only download apps from trusted and approved app stores endorsed by your device maker (Apple, Android, etc.) and service carrier. Apps can contain malicious software, worms and viruses.
  • Download and install the software updates for your phone and mobile apps.
  • Avoid storing your personal information like passwords or a social security number on your mobile device.
  • Be cautious of public Wi-Fi. Public connections are not secure and you should not perform banking transactions on a public network.
  • Avoid opening links and attachments in emails and texts, especially from senders you don’t know.
  • If you use mobile banking, be sure to notify the Bank if your device becomes lost or stolen so your mobile banking services can be disabled.
  • Consider setting up a remote wipe program for your device and be sure to wipe it before selling, trading or donating.

The first line of defense in protecting your information is to create an appropriate password. Here are some simple password practices to help secure your accounts:

  • Make your password a sentence or phrase. A strong password is a sentence that is at least 12 characters long. Create a sentence or phrase that you like to think about and is easy to remember (for example, “I love the smell of rain!”). You can incorporate numbers and additional capital letters to meet complexity requirements (the above example could become, “I l0v3 the smell R@IN!”).
  • Have separate passwords for separate accounts. It’s certainly easier to use the same password on multiple sites, but if hacked, the hacker can use that password to access your information at each of those sites.
  • Use multifactor authentication which offers an additional step between entering your password and accessing your account. Typically, this is in the form of a question/answer or an image that you select when setting up your online account. Another form becoming more common is a code sent via text or email that is then entered on the site.
  • Set up touch ID on your mobile device to log on with a fingerprint instead of a password, if option is available.
  • Don’t share your password.

The possibility of the average consumer becoming a victim of a data breach grows with each new advancement in electronics. A data breach occurs when sensitive or confidential information—driver’s license numbers, medical records, Social Security numbers, bank or credit card account numbers—is stolen, copied or used by an unauthorized person. In 2004, only one state required businesses to alert consumers if their personal data had been stolen. Since then, legislation has passed in 45 additional states, including Indiana, to ensure that affected consumers are contacted should their personal information be lost or stolen. While news spreads quickly when there is a major breach affecting millions of accounts, large companies are not the only ones that suffer from such thefts. Smaller companies can be compromised by an employee, a partner or an external computer hacker. Consumers can take the following steps to protect against a personal data breach:

  • Review credit card and bank statements for fraudulent charges at least once a month. If there is a suspicious charge, contact your financial institution.
  • Request that your financial institution close any accounts that you suspect were compromised, and ask for replacement cards with new account numbers and PINs.
  • Determine if there have been unusual requests, such as change-of-address or attempts to secure additional or replacement credit cards.
  • Instruct the card issuer not to honor any requests regarding your card without your written authorization.
  • Credit card issuers offer a variety of e-mail and/or text notices. You can ask for a notice when charges over a certain amount are made, or when your balance reaches a certain level.
  • If you have been the victim of identity theft, contact the three credit reporting agencies—Equifax, Experian and TransUnion—to place a security freeze on your account:

  • Equifax 800-525-6285, www.equifax.com
  • Experian 888-397-3742, www.experian.com
  • TransUnion 800-680-7289, www.transunion.com

Report the identity theft to the police, as you may need to provide a copy of the police report to your bank, creditors and credit reporting agencies. If the local police are not familiar with investigating information compromises, contact the local office of the FBI or the U.S. Secret Service. To ensure that an identity thief has not opened a new account in your name, you should review your credit report. To obtain a free copy of the report, go to www.annualcreditreport.com. If there are any accounts on your report that you did not open, contact the credit bureau to report the fraud and dispute the charges. This information is provided with the understanding that the Association is not engaged in rendering specific legal, accounting or other professional services. If specific expert assistance is required, the services of a professional should be sought.

Debit cards are convenient and safer to use than cash. When you make a purchase with a debit card, the money is taken instantly from your checking account. You can also use your debit card as an ATM card. It is important for you to understand debit cards and the fees, uses and risks associated with them. Here are some suggestions for keeping your debit card safe:

  • Check your bank statements often and report any unauthorized transactions to the Bank immediately. Time is very important to receive full fraud protection from the Bank, so you should review your bank accounts at least once a week, or even daily.
  • Keep track of your transactions. Write down every purchase in your check register to avoid bounced checks and overdraft fees.
  • Protect your PIN number. Choose a PIN that is not easy to decipher or guess. Don’t share your PIN number and don’t keep it written down anywhere near your card.
  • Choose a credit card over a debit card for online purchases. Fraudulent credit card transactions take more time and can be disputed rather than an instant removal of cash from your checking account.
  • Cards that are not used, have been cancelled or replaced by a new card should be destroyed.

The best way to protect your kids online? Talk to them. Help them learn how to navigate the Internet and online activities safely and securely.

  • Be sure your kids know that the words they write and the images they post have consequences offline. They should never use the Internet to spread gossip, bully or hurt someone’s reputation.
  • Encourage your kids to only post what they would feel comfortable with the whole world seeing. Let them know that parents, grandparents, teachers, coaches, employers, college admissions officers/recruiters and the police may view their posts. Remind them to think before they post.
  • Help your kids understand and commit to not sharing personal information online, including phone number, address, Social Security number, school name, passwords or other private information.
  • Discuss the importance of your kids managing their online experience the way they would in real life. If something or someone online makes them feel uncomfortable, they have the right to not respond, delete a post, and more importantly tell a trusted adult.
  • Require commitment from your kids to never meet in person with someone they met online.

You are now leaving First Missouri Bank’s web site.

The link you have selected is located on an outside website. Please click OK to leave the bank’s site and proceed to the selected, non-bank controlled site.

You will be redirected to

Click the link above to continue or CANCEL