Online Banking Security Guidelines
- Create a strong unique banking password comprised of 8 alphanumeric characters.
- Protect your PINs (don't carry them in your wallet!) and passwords; use an 8-digit combination of letters and numbers for your passwords and change them periodically
- Remember to sign-off when you are finished banking online or leave the room for a few minutes.
"Phishing" is a method developed by scammers and hackers to get unsuspecting victims to reveal their personal information and is a contributing factor to the rise in identity theft. The most common method of phishing involves cleverly designed e-mails which claim to be from reputable companies with whom the recipient may or may not have a relationship. The bogus e-mail requests the recipient to confirm personal information such as client ID, passwords, account numbers, etc. The e-mail may instruct you to "update" or "validate" your personal information via email or direct you to a phony web site that looks like a legitimate web site.
The Killbuck Savings Bank Co. wants you to know that we will never request any personal private information from you via the internet or e-mail. If you receive such a request in an e-mail, notify The Killbuck Savings Bank immediately at 330-276-4881.
Tips to Avoid Becoming a Victim of Identity Theft
- Carefully review your monthly accounts, credit card statements and utility bills (including cellular telephone bills) for unauthorized charges as soon as you receive them. If you suspect unauthorized use, contact the provider's customer service and fraud departments immediately.
- When you order new checks, ask when you can expect delivery. If your mailbox is not secure, then ask to pick up the checks at your financial institution instead of having them delivered to your home.
- Keep a list of all your credit cards and bank accounts along with their account numbers, expiration dates, and credit limits, as well as the telephone numbers of customer service and fraud departments. Store this list in a safe place.
- Keep your Social Security number out of circulation and release it only when necessary.
- Never give your Social Security number, account numbers or personal credit information to anyone who calls you.
- Store personal information in a safe place and shred or tear up documents you don't need.
- Destroy charge receipts, copies of credit applications, insurance forms, bank checks and statements, expired charge cards and credit offers you get in the mail before you put them out in the trash.
- Cancel your unused credit cards so that their account numbers will not appear on your credit report.
- Tear up receipts, bank statements and unused pre-approved credit card offers and convenience checks before throwing them away.
- Keep track of credit card, debit card and ATM receipts.
- Never throw them in a public trash container. Tear them up or shred them at home when you no longer need them.
- Choose to do business with companies you know are reputable, particularly online.
- When conducting business online, use a secure browser that encrypts or scrambles purchase information and make sure your browser's padlock or key icon is active.
- Don't open e-mail from unknown sources. Use the most up to date virus detection software available.
- Order a copy of your credit report from the three credit reporting agencies every year and make sure all the information is correct, especially your name, address, and Social Security number. Look for indications of fraud, such as unauthorized applications, unfamiliar credit accounts, credit inquiries and defaults and delinquencies that you did not cause.
- Check your Social Security Earnings and Benefits statement once each year to make sure that no one else is using your Social Security number for employment.