Staying Safe in a Digital Banking World
Cybersecurity is essential to protecting your financial information. This page helps you understand common threats, how to avoid them, and the steps your community bank takes to safeguard your accounts.
Understanding Cyber Threats
Phishing
Phishing occurs when scammers send emails, texts, or calls pretending to be your bank. Their goal is to trick you into sharing personal information. Signs of phishing:
Unexpected messages asking for account details
Urgent language like “Your account will be closed”
Suspicious links or attachments
Smishing & Vishing
Smishing: Fraudulent text messages
Vishing: Fraudulent phone calls
These messages often claim there’s a problem with your account or offer a fake reward.
Malware
Malware is harmful software that can steal your information or lock your device. Common sources:
Fake apps
Untrusted downloads
Malicious email attachments
Identity Theft
Criminals may try to use your personal information to open accounts or access your existing ones.
How to Protect Yourself
Strong Passwords
Use long, unique passwords for each account
Avoid using personal details like birthdays
Consider a password manager
Multi-Factor Authentication (MFA)
Add an extra layer of protection by requiring a code sent to your phone or email.
Secure Devices
Keep your phone and computer updated
Install reputable antivirus software
Avoid public Wi-Fi for banking
Recognize Secure Websites
Look for https:// and a padlock symbol in your browser.
Monitor Your Accounts
Check your statements regularly and set up account alerts.
What Your Bank Does to Protect You
Encryption
Your data is encrypted to keep it safe during online transactions.
Fraud Monitoring
Our systems monitor for unusual activity and may contact you if something looks suspicious.
Secure Online Banking
We use industry-standard security controls to protect your login and account information.
Employee Training
Bank staff receive ongoing cybersecurity training to stay ahead of emerging threats.
What To Do If You Suspect Fraud
Contact your bank immediately
Change your online banking password
Review recent transactions
Report suspicious emails or texts
Helpful Tips
Never share your online banking password with anyone
Your bank will never ask for your login credentials
Be cautious of unsolicited messages
When in doubt, call your bank directly
Additional Resources
Federal Trade Commission (FTC): Identity Theft
Cybersecurity & Infrastructure Security Agency (CISA): Online Safety
FDIC Consumer Assistance
Your Security Matters
Cybersecurity is a shared responsibility. By staying informed and practicing safe online habits, you help protect your financial future.