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Consumer Online Banking Security

Protecting your information online.

Your computer and mobile devices provide convenient access to your email, financial information and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals. Regardless of the type of device, if you are storing or accessing financial and personal information, you should take steps to secure your computing environment and enable device security features to protect your information.    
 
Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location. Do not use unprotected internet connections. Be sure you trust the computer you are using for logging into Peoples On-line Banking.  Do not use public or other unsecured computers.  Don’t perform banking transactions on a public wi-fi network. If you need to access your account, disable the Wi-Fi and switch to your mobile network.  

Keep your passwords, personal identification numbers (PINs) and account codes secret.  Don’t reveal your User ID or password to anyone.  Never give out your computer credentials such as user name or password, personal information such as Social Security Number or financial information such as account number in response to an unsolicited phone call, fax or e-mail, no matter how official it may seem. Your User ID and password are the most critical layer in online banking security. Use truly unique passwords that only you know. 

Keep your operating system up to date. Operating system updates are how identified security holes are patched.  Timely installation of updates on all devices used to access financial information is critical to your computing security. Download the updates for your phone and mobile apps.

Install anti-virus protection on your computer.  Always maintain an up to date, trusted antivirus protection on any device you use to access your financial accounts.  Protect your phone from viruses, malicious software and malware, just like you would for your computer by installing mobile security software.

Beware of phishing. Phishing is fraudulent texts or emails which attempt to trick you into disclosing personal, private account numbers or user name and passwords.  They often appear to come from legitimate companies.  Legitimate companies will never ask for your username or password unless you are signing into their web site.  Avoid opening links and attachments in emails and texts, especially from senders you don’t know. Be wary of ads (not from your security provider) claiming that your device is infected.  

Use caution when downloading apps.  Apps can contain malicious software, worms and viruses. Beware of apps that ask for unnecessary “permissions.”

Avoid storing sensitive information like passwords or a social security number on your mobile device in an unencrypted or unsecured manner.  

Wipe your mobile device or computer hard drive 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.

Use Security Features that are available on your device and Peoples Online Banking. Some features are required and some are optional.  Consider the benefits of the optional features before you discard them as inconvenient. Having to enter a passcode to access your device may seem inconvenient until it is lost and personal information is compromised.

Use the passcode lock on your smartphone and other devices. The more layers of security, the more difficult it is for thieves to access your information if your device is lost or stolen.

Notifications and Alerts. Use online banking alerts to monitor transactions and online banking activity. Within online banking, you can enroll in email and text alerts that will generate notifications to alert you of transaction activity or balance information according to criteria you have established.

Verify your last login each time you log in to online banking.  Log out completely when you finish a mobile or computer banking session.