DEBIT CARD/ATM SAFETY TIPS

Preventing Card Fraud

  • Memorize your PIN. Don’t write it on your card or anything you carry near your card.
  • Don’t tell anyone your PIN or account number.
  • Don’t loan anyone your card.
  • Report or lost stolen cards immediately. You may be liable for activity on your card if you do not report it as lost or stolen.
  • Report a suspected card compromise immediately, even if you still have the card in your possession.
  • NEVER give your debit card number or PIN over the phone, especially cellular phones.
  • NEVER respond to a link or phone number in an e-mail message requesting personal information. Phishers often use this scam to trick you into divulging personal data.
  • Only open email messages from a known or trusted source. Look for phishing red flags, such as poor grammar, misspelled words, vague instructions and generic greetings.
  • Report suspicious phone calls, messages or websites to the Bank immediately to verify if they are legitimate.

Approaching the ATM

  • Avoid facilities in dark or remote locations.
  • If you see people lurking around the ATM, or any other situation that makes you uncomfortable, find a different machine.
  • Take another person with you whenever possible.
  • Have your card ready.
  • Keep your doors locked and all passenger windows closed at a drive-up facility.

Using the ATM

  • Block the view of others by cupping your hand over the keypad as you enter your PIN and by standing between the terminal and any person who is waiting.
  • Remove your cash, receipt, and card from the ATM after every transaction.
  • Pocket cash immediately when you make a withdrawal.

Caring for Your Card

  • Don’t expose the magnetic strip to other magnetic objects, which can deactivate your card.
  • Record and file the name and phone numbers of your card’s issuer for reporting loss or theft.

ATM Card Safety provided by www.shazam.net.

 

ISB ONLINE – PERSONAL BANKING BEST PRACTICES

Is my computer as secure as possible?

  • Be sure your computer is current with all operating system and application software updates.
  • Install anti-virus and desktop firewall software on all computer systems. Ensure virus protection and security software are updated regularly. Anti-virus is only secure if it has the most recent signatures and updates.
  • Watch for signs of spyware. This includes frequent pop-ups, unexpected icons on your desktop, random error messages and sluggish computer performance. Run a full system anti-virus and anti-spyware scan to safely remove any spyware.
  • Ensure computers are patched regularly with security patches, especially operating system and key applications.
  • Create a login password for your computer.
  • Always logoff when you are done working and close your browser session.
  • Never access bank, brokerage or other financial services information at Internet cafes, airports, hotels, public libraries, or any other networks that you do not control. Unauthorized software may have been installed to trap account number and sign on information leaving the customer vulnerable to possible fraud.
  • Subscribe to the FDIC Consumer News. This provides practical guidance on how to become a smarter, safer user of financial services. You can also read prior issues. To subscribe or view prior newsletters go to www.FDIC.gov, and in the search engine put “FDIC Consumer News.”

Is my connection to the Internet as secure as possible?

  • Install a personal firewall to minimize your risks by blocking malicious traffic. New computers may be shipped with it on by default so please make sure it is on and receiving regular updates.
  • Look for the https:// in the URL bar and check for the lock icon when entering sensitive information onto a website. This indicates your communications are encrypted.
  • Keep the browser you use to connect to the Internet updated.
  • If you use a wireless router to connect to the internet, remember to change the default network name and password that came with the router.
  • Standard email is not a secure means of sending sensitive data such as account numbers, social security numbers, etc… Please provide these by mail, fax or telephone rather than by email.

Is my password as secure as possible?

The most effective passwords are at least 10 characters and use a mix of uppercase and lowercase letters, numeric or special characters. Do not use birth dates, names, or other easily guessed information.

  • Each online account should have its own strong password so that if one is compromised, the attacker does not have automatic access to your other accounts.
  • Do not use the same passwords for personal computing use that you use for business purposes.
  • Do not write your password or PIN down and do not share these with anyone.
  • Never check the “Remember Me” or “Remember Password” box if prompted.
  • Change the password a few times each year, perhaps even more than the required amount.

How do I recognize a scam?

A phishing scam typically consists on an email that tries to entice the recipient to “click” a link or download an attachment. A phishing scam targeting your financial accounts may consist of an email message notifying you of a “problem” with your account and ask you to click on a link to your “financial institutions” website and submit personal information. This personal information could consist of your social security number, debit card number, credit card number, account number, etc… and/or it may download malicious software onto your computer. The message often threatens a dire consequence if you do not respond immediately.

  • Never click on links or call phone numbers found within suspicious emails.
  • Open attachments from trusted sources only. If you are in doubt, do not open the attachment.
  • Be very protective of your personal information. Iowa State Bank will never ask you to provide sensitive information in an email.