Financial Safety Tips
Keeping your financial information confidential is extremely important. Take advantage of the following tips to help keep all of your information secure.
Ensure that the computer systems you use for online banking are secure. Here are BTH Bank's recommendations on steps you can take to secure your systems and avoid online threats.
Online Banking Fraud Prevention Best Practices
The following are BTH Bank's recommendations for securing computer systems used for online banking:
- Be suspicious of emails purporting 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 information. Opening file attachments or clicking on web links in suspicious emails could expose your system to malicious code that may hijack your computer.
- Never provide sensitive or personal information in response to an email message, even if it appears to be from BTH Bank. We will never request confidential information via unsecure communications like email. If you are uncertain whether BTH Bank has actually requested the information, contact us by telephone.
- Never send confidential banking information to anyone using regular email. Regular email is not a secure channel for communication.
- Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers. Create a strong password with at least 10 characters that includes a combination of mixed case letters, numbers and special characters.
- Use a different password for each website that is accessed.
- Change your password a few times each year even if the website does not require it.
- Install commercial anti-virus and desktop firewall software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.
- Ensure virus protection and security software are updated regularly.
- Ensure computers are patched regularly, particularly operating systems and key applications with security patches. It may be possible to sign up for automatic updates for the operating system and many applications.
- Consider installing spyware detection programs.
- Clear the browser cache before starting an Online Banking session in order to eliminate copies of web pages that have been stored on the hard drive. How the cache is cleared will depend on the browser and version you are using. This function is generally found in the browser's preferences menu.
- Verify use of a secure session in the browser for all online banking. A secure session's web address will begin with "https", not "http".
- Avoid using automatic login features that save usernames and passwords for online banking.
- Disable auto-complete features on your computer.
- Never leave a computer unattended while using any online banking or investing service.
- Never access banking or other financial services information at Internet cafes, public libraries, or other unsecured wireless systems. Unauthorized software may have been installed to trap account number and sign on information, leaving you vulnerable to possible fraud. Remember that BTH Bank has secure computers available at each of their locations for customers to use to access online banking.
- Immediately let BTH Bank know of any suspicious transactions, particularly ACH or wire transfers. There is a limited recovery window for these transactions and immediate escalation may prevent further loss.
Prevent Fraud and ID Theft
These simple steps can help protect you against fraudulent activity and identity theft. Follow these best practices for greater protection of your identity and other sensitive information.
Additional Information about preventing financial fraud can be found at the links below.