Please contact your local branch if you have questions or concerns about your information security.
Safe Banking over the Internet
The Internet offers the potential for safe, convenient new ways to conduct banking business at any day or time. However, safe banking online involves making good choices and decisions that will help you avoid costly surprises or even scams.
Tips for Keeping Your Financial Information Secure
- 7 Tips for Protecting Yourself Online
- 10 Ways to Protect Your Mobile Devices
- 5 Ways to Protect Your Small Business from Account Fraud
- 8 Tips to Protect Your Identity
Is Online Banking secure at Cashmere Valley Bank?
Online Banking has multiple security features imbedded in its architecture to keep your information confidential.
- In order to access your account information, your Internet Browser must support 128-bit encryption.
- We utilize an intricate system of firewalls and filtering routers to secure your information.
- If the Online Banking is idle for more than 10 minutes, it will automatically terminate your session.
- You are required to choose your own 8-20 digit alphanumeric Online Banking Password.
- If you unsuccessfully enter your Online Banking ID or Password three times, you will be locked out of the Online Banking until you contact us.
- We do not transmit account numbers over the Internet. We use Pseudo account names to define your accounts.
- The Login Count feature lets you keep track of how many times you have accessed your Online Banking account. You can reset the login count regularly to keep track of how many times your information is being accessed.
How can I be sure that I’m dealing with Cashmere Valley Bank?
- Cashmere Valley Bank will never send you an e-mail asking for your PIN or password, credit card numbers, or other sensitive information.
- If we request information from you, it is because you have initiated the contact and we are replying to you with a request for information that is necessary to assist you.
- E-mail messages sent by you to us from within Cashmere Valley Bank’s Online Banking are secured with the 128-bit encryption. If a response is required, we will respond back to you within the secured e-mail. Your e-mail address will be used to notify you when you receive a reply.
What is e-mail fraud?
Phony e-mail messages sent to you for the purpose of stealing personal and financial information are among the most common type of e-mail fraud.
“Phishing” is the practice of sending a fraudulent e-mail that requests confidential information. The message is disguised to look like a request from a legitimate organization that the recipient may already have a relationship with. Often the message includes a warning about a problem related to the recipient’s account and encourages them to provide personal information, which is then used to steal their identity.
Some things you should know about phony e-mails and some tips for spotting them:
- The e-mail may state that your account may be closed if you fail to confirm, or authenticate your personal information immediately.
- Phony e-mails may provide a general greeting and not identify you by your name.
- Do not click on links you receive in an e-mail message asking for personal or financial information.
- Call the company directly to confirm requests for updating or verifying personal or account information.
- Do not share your IDs or passwords with anyone.
- Look for a secure connection on websites asking for personal or account information.
- If you think you may have provided personal or account information in response to a fraudulent e-mail or website, report the fraud immediately, change your passwords and monitor your account activity.
What Can I Do to Guard against Identity Theft?
- Shred all personal and financial information.
- Don’t give your Social Security number or other personal credit information over the phone unless you initiate the call.
- Keep your personal (e.g. Social Security card, birth certificate, etc.) and bank/credit card records in a secure place.
- Call the post office immediately if you are not receiving your mail.
- Be aware of others nearby when entering your Personal Identification Number (PIN) at an ATM.
- Limit the number of credit cards and other personal information that you carry in your wallet or purse.
- Report lost or stolen ATM, Debit or Credit Cards immediately.
- If you have applied for an ATM, Debit or Credit Card and have not received them in a timely manner, immediately notify the financial institution involved.
- Sign all new cards upon receipt.
- Review your monthly accounts regularly for any unauthorized charges.
- Review your credit reports annually to safeguard your identity.
- When conducting business online, make sure your browser’s padlock or key icon is active.
- Avoid using the standard mother’s maiden name, birthdays, etc. for passwords or PINs.
- Don’t open e-mail from unknown sources, and use virus detection software.
Where to report suspected fraud
Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.
- Trans Union (800) 916-8800
- Experian (800) 301-7195
- Equifax (800) 525-6285
Contact the FDIC if you have been a victim of banking fraud, or if you have visited a bank Web site that appears to be fraudulent.
Report any telemarketing fraud scheme
- FTC @ 1-877-FTC-Help or www.ftc.gov
Report if victim of identity theft
- FTC @ 1-877-IDTHEFT or www.consumer.gov/idtheft
United States Postal Inspection Service
Contact when the mail service is part of fraudulent scheme
For More Information:
For more information about online banking in general, visit these Websites:
- Federal Deposit Insurance Corporation http://www.fdic.gov
- Board of Governors of the Federal Reserve System: http://www.federalreserve.gov
- Federal Trade Commission: http://www.ftc.gov