Online Banking Security

At First National Bank & Trust Co., we take the privacy and security of your personal information very seriously.  While we are unable to discuss the specifics of our controls to protect your personal data, we would like to share a few of the features that our online banking system uses to protect your session.  All online banking sessions are protected using the industry standard of 128-bit encryption.  In addition, we use a process referred to as "Multifactor Authentication".  For the purposes of this discussion, we will call it Enhanced Login Security.

While many websites consider a user id and password as sufficient to login to a site, we do not consider that adequate to protect your information.  Enhanced Login Security uses at least two forms of authentication every time you login.  One is your user id and password and the other is a unique, complex, electronic "fingerprint" of you session.  We have established standards of authentication that each login must meet.  If they are not met, you will be presented with additional verification to identify the person logging in.  Typically, these are in the form of security questions.  Our security levels mean that someone with your user id and password would not be able to access your banking information without either a)  your computer or b) the answers to your secret questions.  This is why you should never write down this information, but select something you can always remember.

There are a few simple steps you can take to add additional layers of security:

  • Select strong passwords (include numbers and special characters)
  • Never write down your passwords
  • Periodically change your passwords
  • Do not use the same password for every site (especially your banking sites)
  • Keep you browser and AntiVirus Software updated

Safe Computing

The number of sophisticated schemes designed to lure consumers to divulge their personal information is growing every day.  While online banking is generally considered to be safer than in-branch or ATM banking, there are some basic steps you can take to you are secure as possible.

  • Be suspicous of any email with urgent requests for personal financial information
  • Phishers will included upsetting or false information to elicit a repsonse
  • A legitmate email should never request personal information
  • Phisher emails will often contain spelling errors as many originate outside the U.S.
  • Never use the link in an email to reach a company as the link may be false.  Always use a known website address.
  • Traditional email is unsecure.  A legitimate company will provide alternative methods of providing the information.
  • Look for "https:" when using your card online.
  • Log on to your accounts regularly
  • Review your bank account statements when they arrive
  • Have your computer set to automatically update your broswer and AntiVirus software 

Public WiFi Hotspots

Public WiFi Hospots are everywhere!  While they are extremely convenient, a few basis precautions should be taken to ensure the information you send over the Hotspot is secure.  If not, any data sent over the WiFi, may be available for others to view.  This short video on WiFi will explain some best practices.

Wireless Security

Wireless networks are great!  Here are some tips to ensure your wireless network is secure.

Online Reviews

If you are like many people, when it's time to make a purchase you look to the internet for consumer reviews.  It's a wonderful feature that actually built a unique selling point for some companies.  Unfortunately, not all online reviews are legitimate.  Take a moment to view this short video to learn how to help differentiate the legitimate from the worthless.

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