Internet Banking Best Practices

Latest News | 10.14.2016

Use a dedicated PC for your banking purposes

Cyber criminals are writing malware to create fraudulent transactions and/or steal your online credentials. Infecting a computer is much easier if that computer is regularly connected to the Internet or used for email. It is recommended that banking customers carry out all online banking activities from a stand-alone, hardened and completely locked down computer system from which e-mail and web browsing are not possible.

Password Protection

Online Banking allows all users to individually have their own log in with specific rights and access.

  • Use a strong password—at least eight characters, with a combination of numbers, letters, and punctuation symbols.
  • Make it easy to remember as long as it is difficult for someone else to guess.
  • Don't use the same password for banking that you use for other online accounts.
  • Keep your password safe—don't leave it in a file on your computer or on a sticky note on your monitor.
  • Avoid password managers, although convenient, they can allow you to forget your password as well as override new passwords, creating verification errors.
  • Change your password periodically.
Exit your Online Banking

When finished in your online banking, use the Exit option. This completely logs you out, avoiding any potential unauthorized use. When stepping away from your computer use the Exit option as well, our system will time out after a period, but not immediately.

Know who you're doing business with

Have you heard of phishing? It is a type of fraudulent email scheme designed to scare you into providing your personal and financial information online. Use these precautions to ensure you are safe:

  • We will never solicit you for passwords, account numbers, or other personal information.
  • Access the online banking Web site by typing the URL into the address bar, rather than clicking links you might see in an email or an instant message, or on another Web site.
  • Always check for the browser "lock" icon, but understand that this only signifies a secure communication channel, not necessarily a legitimate Web site.
  • Check for anything that looks unfamiliar, unprofessional, or out of place to you.

If you receive an email that you think is suspicious, contact us immediately at 956-262-1391.

Secure your PC

On any PC you use for online banking:

  • Maintain active, up-to-date antivirus, spyware, and firewall protection.
  • Keep your operating system (for example, Windows 7,8), browser (for example, Internet Explorer), and other applications (such as RealPlayer or iTunes) updated with the latest security patches.
  • Avoid transactions at wireless hotspots or Internet cafés.
Check your statements

Online banking can actually help you protect your identity—log in and check your financial statements regularly. Report unauthorized transactions immediately. Check your free annual credit report to spot accounts that may have been opened without your knowledge.