Online Security Best Practices

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ONLINE SECURITY AND YOU

As part of First National Bank's ongoing effort to keep commercial customers informed, we would like to provide you with information regarding online safety and security.  Please know that First National Bank is constantly analyzing and improving our software to minimize fraudulent activity to access information and will provide updates to ensure the utmost security.

As the internet continues to become a popular avenue for business and banking transactions, attempts to gain access to your network information also continues to increase.  We encourage you to familiarize yourself with common fraud tactics, such as phishing emails and fraudulent websites, and learn ways to protect yourself online.

Use caution if you receive an email expressing an urgent need for you to update your account information, activate your online banking account or verify your identity by clicking on a link.  These emails may be part of a phish scam conducted by fraudsters to capture your confidential account information and commit fraud.  First National Bank will never contact you unsolicited to request your online banking credentials.

HOW FRAUDSTERS OBTAIN EMAIL ADDRESSES 

Fraudsters obtain email addresses from many places on the internet.  They also purchase email lists and sometimes guess email addresses.  Fraudsters generally have no idea if people to whom they send bank-related phish emails to, are actually bank customers.  They hope a percentage of those phish emails will be received by a bank customer.

A common scenario is, the attacker sends a "phishing" email which includes either an infected file or a link to an infectious web site.  The person receiving the file is usually someone who can initiate funds transfers on behalf of the corporate business.  Once the receiver opens the attachment or navigates to the web site, malware is installed on the user's computer.  This malware contains a key logger, which collects the user's online banking credentials.  These credentials are used to either establish another user account or directly initiate funds transfers as the legitimate user.

First National Bank combats this issue by incorporating strong security practices that are stringent and utilizes a strong multi-layered security strategy, including the use of a token system to gain access and initiate external funds transfers.

Contact us immediately at 877.782.2195 or stop by any of our locations, if you notice suspicious account activity or experience customer information security related events.