Security Awareness

To our valued customers:

At The First National Bank of Allendale, we strive to provide all of our customers with a convenient and safe online banking experience. It is our goal to protect the confidentiality of your account and personal data and comply with all applicable banking regulations relating to the safeguarding of your data. Our online banking product, Netteller, incorporates sophisticated security features to keep your information safe and secure.

Netteller Security features:

  • 128-bit Secure Sockets Layer (SSL) encryption.
    • SSL – allows users to establish sessions with Internet sites that are secure (https:// versus http://)
    • Encryption – scrambles information for transmission back and forth between two points; a key is required to decode the information
    • 128-bit – two types of encryption: high (128-bit) and standard (56-bit); difference between high and standard is strength: 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works each time you bank online.
  • Password requirements based upon industry-wide best practices.
    • Reset password after initial login
    • Change password every 90 days
    • Restrict use of last four previously used passwords (i.e., Netteller requires a minimum of five unique passwords before a password can be reused)
  • Built-in security features to protect your privacy.
    • Login sessions timeout after a ten-minute period of inactivity
    • User names are locked out after three unsuccessful login attempts
    • Last login session date and time displayed for your own monitoring purposes
    • Additional levels of security to verify our site and your identity (e.g., personal images to ensure you are not on a ‘spoofed’ site; challenge questions to verify and confirm transactions that do not fit your normal online activity profile)

While we continue to take all possible steps to ensure the safety of our online banking system, we cannot assume responsibility for any breach of security that is out of our control. It is imperative that you take steps to protect your account and personal information while engaged in any and all online activities.

  • Protect your online banking password(s)
    • Create a strong password using random letters and numbers. Avoid dictionary words. Remember that sharing information online (via Facebook and other social media) about your children, pets, birthdays, anniversaries, etc. can make it easier to guess passwords using this information as well.
    • NEVER SHARE YOUR PASSWORD! Do not write it down. Do not reveal it to anyone, including bank associates. The First National Bank will never email, call, or text you and ask you for any personal information. If you think your Netteller User ID or password has been stolen or compromised, notify The First National Bank immediately at 618-299-4411, 618-263-6511 or 618-456-8884.
    • Avoid using public computers and/or Wi-Fi hotspots to conduct your online banking session.
    • Protect your personal computer(s)

o Keep your operating system and Internet browser updated with patches from the vendor’s website.

o Use virus and spyware protection software and update the software regularly.

o Use personal firewall software.

o Ensure wireless router security settings are set to the highest level (if applicable)

o Exercise caution and good common sense when downloading files, installing software, and opening email attachments from unknown sources.

Monitor your accounts regularly

o Review your transaction history online and via e-statements.

o Report any unauthorized activity immediately. Regulation E limits a consumer's liability for unauthorized electronic fund transfers (e.g., online banking transactions) to $50; however, if the consumer fails to notify the depository institution in a timely fashion, the amount may be $500 or unlimited.

o Obtain your free annual credit report and review for accuracy. You can request a free credit report by visiting www.annualcreditreport.com or by calling 1-877-322-8228.

Commercial online banking customers may also want to consider performing a risk assessment to determine specific risks related to their online banking activities and identify appropriate controls to address those risks.

Finally, recognizing fraud when you see it is the single easiest precaution you can take to protect your identity. Take time to educate yourself and others that may share your computer about the tactics employed by fraudsters to gain access to your personal information.

· Phishing lures unsuspecting victims to reveal their personal information

o Cleverly designed emails request you to update or validate personal information via email or direct you to a phony website

o Often include urgent appeals, claiming that your account will be closed if you fail to respond

o Often include “too good to be true” offers like money for completing surveys

o THE FIRST NATIONAL BANK WILL NEVER ASK YOU TO ENTER PERSONAL INFORMATION VIA AN EMAIL. IF YOU RECEIVE SUCH A REQUEST, NOTIFY US IMMEDIATELY.

· SMShing is phishing that happens via text message. Again, The First National Bank will never ask you to respond to a text message with personal information.

· Vishing is phishing that uses Voice over Internet Protocol (VoIP) to place a call, leaving an automated recording. It may ask the victim to call the same phone number shown on the spoofed called ID with the same name as the bank. If you receive a message from The First National Bank, you should call us at our local numbers (618-299-4411, 618-263-6511 or 618-456-8884).

 For more information on Internet fraud, check out the following links:

Security News