Mobile Security

With new methods of Internet access emerging, whether by personal computers, smart phones, net books, pads, PDAs or other mobile devices, it is clear the face of online access is very much in flux. As new technologies emerge, they provide new opportunities for convenience and service, but they also expose new risks. Security is a critical component of any Internet banking solution, and our philosophy is to provide many layers of mitigation to these risks, but it should be clearly understood that every step toward convenience is a step away from protection.  We take these issues very seriously and urge you to do so as well.

We recommend you purchase and use the security features and programs available for your gadget of choice. Take extra precautions with devices without added security applications and secure them as soon as good solutions are released.  As responsible Internet user, you should always be thinking about securing your devices and the data that they hold.

Here are some other steps to follow:

  • 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.
  • Enable encryption — Enabling encryption on your smartphone is one of the best ways to safeguard information stored on the device, thwarting unauthorized access.
  • Log out completely — Each time when you finish a mobile banking session, make sure you log out of the session instead of minimizing or closing the browser or app.
  • Protect your phone from malware. — Viruses and malicious software attack your phone just like your computer. Install mobile security software approved or recommended by your phone's manufacture.
  • Use caution when downloading apps. — Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
  • Download the updates. — Updates provide security fixes and other enhancements for your phone and mobile apps.
  • Be careful with sensitive information. — Don't keep non-public information like passwords or a social security number on your mobile device unless it is encrypted.
  • Warn your bank. — Tell your financial institution immediately if you change your phone number or lose your mobile device.
  • Be aware of shoulder surfers. — The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
  • Beware of 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 or that you have won money.
  • Watch out for 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.
  • Disable unwanted services when not in use — Bluetooth and Near Field Capabilities (NFC) can provide an easy way for an unauthorized user near by to gain access to your data. Turn these features off when they are not required.
  • Install a phone locator/remote erase app — Misplacing your device doesn't have to be a catastrophe if it has a locater app. Many such apps allow you to log on to another computer and see on a map exactly where the device is. Remote erase apps allow you to remotely wipe data from your device, helping minimize unauthorized access to your information in the event you cannot locate the device.
  • Wipe your mobile device — Before you donate, sell or trade your device, wipe all memory using specialized software or using the manufacturer’s recommended technique.
  • Monitor your account daily — Report any suspected fraud to your bank immediately.