ONLINE BANKING CUSTOMER SECURITY AWARENESS
Pineland State Bank recommends the following Computing Security
Practices and Protection for customers accessing their account
information via the Internet:
General Business Practices (Commercial Customers)
1. Review this information with your IT department or IT
consultant and evaluate how your systems may be vulnerable
to this risk. Perform a risk assessment periodically to determine
if your organization is protected against identified threats.
2. Dual control procedures should be in place for high risk
transactions such as electronic funds transfers. This includes
automated clearing house (ACH), Online Banking transfers,
and wire transfers.
3. Talk to your insurance provider about adding cyber insurance
terms to your business insurance policy.
4. Reconcile your banking transactions daily and look for
unusual small amounts such as penny transactions. This may
be an indication that your account has been compromised and
a fraudulent plan is in progress.
5. Never access bank, brokerage, or other financial services
information at internet cafes, public libraries, etc. Unauthorized
software may have been installed to trap account numbers
and sign on information leaving you vulnerable to fraud.
6. Immediately escalate knowledge of any suspicious transaction
to the Bank, particularly if these transactions are ACH or
wire transfers. There is a limited recovery window for these
transactions and immediate escalation may prevent or minimize
Password Practices (All Customers)
1. Change passwords at least every 90 days and every time
an employee leaves the company.
2. Create a strong password with at least 10 characters that
includes a combination of mixed case letters, numbers, and
3. Ensure that your account information and security responses
are not written where they can be seen or accessed by others.
If the information must be written down, it should be secured
under lock and key when not being used.
4. Never share your user ID or password with anyone for any
reason. If it is compromised, contact us to have the ID and/or
password disabled or reset.
5. Secure your computers with a password protected screensaver
that has a timeout feature activated after no more than 15
6. Avoid using an automatic login feature that saves usernames
and passwords for online banking.
Operating System Protection (All Customers)
1. Ensure that you use current anti-virus and anti-spyware
products to protect yourself against malicious software
that is created for the specific purpose of gathering information
such as user ID, password, and other critical information
that may be stored on your computer.
2. Ensure that you have a patch management solution that
keeps your computer software current and can further mitigate
new vulnerabilities to which your computer may have been
3. Install a dedicated, actively managed firewall, especially
if you have a broadband or dedicated connection to the Internet,
such as DSL or cable. A firewall limits the potential for
unauthorized access to a network and to computers.
4. Practice safe internet use. Never click on pop-up messages
or links to applications contained in emails. Try to get
into the habit of manually going to links that are sent to
you. It is estimated that over 80% of malware is obtained
from clicking on pop-up ads.
5. Be suspicious of emails claiming to be from a financial
institution, government department, or other agency requesting
account information, account verification, or banking access
credentials such as usernames, passwords, PIN codes and similar
6. Use caution when opening attachments and ensure they were
sent from a trusted source.
7. Consider designating a "locked down" PC
to accommodate only your online banking transactions. This
not be used for email or any other internet activities.
This precaution should minimize the opportunity to download
For more information on how you can be protected, visit http://www.onguardonline.gov.