Helpful Tips To Protect You & Your Business
Protecting your business and personal identity online, at home or out and about requires ongoing education and daily effort to thwart the negative impact created by identity thieves. Central Valley Community Bank provides extensive safeguards to secure our customers’ financial relationships and is committed to offering education and helpful resources to help protect your business and personal information both online and off. Review the helpful tips below.
As a consumer, you have little ability to stop or prevent identity theft. However, there are some positive steps to take which will decrease your risk:
- Don’t carry your Social Security number, memorize it and keep the card at home
- Watch for the timely arrival of monthly bills and statements in the mail
- Mail your bills inside the post office, rather than using a mailbox near the street
- Don’t share your account numbers over the phone or anywhere others can hear you
- Keep your eye on your credit card at all times while making purchases – a dishonest clerk may distract you and swipe it through a second scanner that records your information
- Keep track of all credit card receipts and shred any you don’t need
- Shred any unneeded documents that contain bar codes, account numbers or other sensitive data
Monitor your credit report annually
You can obtain a free credit report annually from each of the three nationwide reporting companies at www.annualcreditreport.com or by calling 1-877-322-8228.
A credit reporting company may charge you a fee for an additional copy of your report within a 12-month period. To buy a copy of your report, contact:
Business identity thieves and fraudsters are clever and determined, and can quickly take advantage of business owners that do not take basic precautions to protect their business. To better protect your business we support the following guidelines:
- Use a computer that has industry standard operating systems
- Install industry standard anti-virus software and make sure that it is updated regularly
- Install and maintain an industry standard anti-virus email spam filter and malware filter
- Maintain a separate computer for banking and business applications
- Use complex formats or passwords between your internet modem and your home PC
- Keep all application software updated with the latest releases
- Avoid opening any email that you do not recognized. When in doubt, delete
- Keep security settings at recommended levels
- Monitor and reconcile bank accounts daily to recognize fraudulent activity and report unusual transaction activity
- Never share your password with anyone
- Turn off your modem when not using your computer for internet activity. Reducing the time that your modem is actively broadcasting limits a hackers’ opportunity to successfully gain control of it
Note: This list is not meant to be exhaustive, or reflect any particular industry standard at this time. Customers using the Internet to conduct online financial transactions do so at their own risk and must recognize that the Internet is inherently vulnerable to unauthorized access and attacks. The Bank disclaims any liability associated with such unauthorized access or attacks and does not make any representations, implied or direct, that the listed precautions will prevent or otherwise protect against the same
When you are online be wary about who you give your personal information to, follow the tips provided below:
- Keep your passwords private and use strong passwords with letter, numbers, special characters, etc.
- When making a transaction online, make sure it is over a secure, encrypted site. A “lock” icon on the status bar of your browser means your information is safe when transmitted
- Do not e-mail personal or financial information, because email is not a secure method to transmit personal information
- If a company that claims to have an account with you sends an emails asking for personal information, don’t click on the links in the email. Instead, type the company name into your web browser, go to their site, and contact them through the customer service or call the Customer Service number listed on your account statement
- Don’t overshare your personal and private information on Social Networking site
- Before you dispose of a computer or a mobile device, get rid of all the personal information that it stores
Online Banking Protection with Trusteer Rapport
Central Valley Community Bank takes online security very seriously. We are constantly updating our security measures to ensure the highest levels of safety and protection for our customers. That is why we offer Trusteer Rapport – the leading provider of secure web access services – to deliver an additional layer of security protection while banking online. Download and install the free Trusteer Rapport software to your computer today, learn more.
Online Security Awareness Courses
Cybercriminals are setting their sights on small to mid-size businesses. Our Online Security Awareness Courses provide your business with free online lessons on how to enhance your online security.
Click here to access the following courses in the Online Security Awareness Courses:
- The Risk Management and Threat Landscape
- Risk Management and Reduction
- Managing a Negative Event
Below is a list of suggestions provided by the American Bankers Association's recent article "12 Ways to Protect Your Mobile Device From Hackers." The full article can be found here.
- Passcode locks: Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
- Logging out: Log out completely when you finish a mobile banking session.
- Install mobile security software: Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
- Stay up-to-date: Download the updates for your phone and mobile apps.
- Downloading Apps: Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary "permissions."
- Sensitive Information: Avoid storing sensitive information like passwords or asocial security number on your mobile device.
- Take Action: Tell your financial institution immediately if you change your phone number or lose your mobile device.
- Shoulder Surfers: The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
- Don't leave a trace: Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
- Mobile phishing: Avoid opening links and attachments in emails and texts, especially from senders you don’t know.And be wary of ads (not from your security provider) claiming that your device is infected.
- Caution to Public Wi-Fi: Public connections aren't very secure, so don’t perform banking transactions on a public network.If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
- Report any suspected fraud to your bank immediately.
Personal SavingsSavings as secure as our commitment to your satisfaction.
Trusteer RapportAdd an additional layer of security protection while banking online.