How to Protect Yourself Against Cyber Crime Tips

  • Monitor all of your financial accounts and report any suspicious activity, such as false or multiple charges, to your community bank immediately.
  • Be sure to use unique passwords for all financial online accounts. Never share or duplicate usage of your password, account number, PIN or answers to security questions.
  • Do not save credit or debit card, banking account or routing numbers, or other financial information, on your computer, phone or tablet.
  • Use caution when sharing personal information about yourself on social media channels and the Internet. Identity thieves and cyber criminals can use information to gain access into your life. Never post account numbers, credit card statements or bank details.
  • Be vigilant about using a password on mobile devices. Be sure to set your devices to automatically lock after a selected period of time to ensure no one can access your smartphone, tablet or laptop.
  • Be aware of the location of your mobile devices (smartphones, tablets) at all times. Only log on financial websites when you have a secure, safe and trusted Internet connection.
  • Shred ATM receipts, credit card offers or statements, checks and other similar documents when you no longer need them.
  • Consider getting an IP PIN. An IP PIN is a six-digit number assigned to eligible taxpayers that helps prevent the misuse of Social Security numbers on fraudulent federal income tax forms, per the IRS.
  • Do not provide your secure financial information over the phone or Internet if you are unsure of who is asking for it. Contact your community bank directly by using the phone number on the back of your debit or credit card, or stop in your bank to speak with someone in person. Remember, your community bank will never contact or text you asking for personal or banking information.


Internet Safety Tips

Please ensure you have a firewall between you and the Internet. As with everything on the Internet, be cautious if a site tries to install software on your computer or requests payments.

Also, ensure your machine's operating system and applications are up-to-date with all security patches. "Patches" are software updates that address known security vulnerabilities, which can be exploited by viruses and other malware, as well as rogue websites. For Microsoft Windows users, Automatic Updates may or may not address all of your installed software, such as Microsoft Office products, which can also present a risk when surfing the Internet. Apple Mac software can be updated through the "Software Update" utility. Other software, such as Adobe Reader, Adobe Flash, Apple iTunes, Sun Java, and more should be updated as well.

Please ensure that you have anti-virus software installed and running, as well as ensuring that it is being updated regularly. Anti-virus companies issue updates on an almost-daily basis and sometimes more frequently than that. Given the prevalence and sophistication of viruses and other malware, it is critical that your anit-virus software be kept up-to-date.

Please be cautious when clicking links in unsolicited e-mails as e-mails are easily forged and can point your computer to malicious websites. Best practices when opening e-mail include asking the following questions:

  1. Did I expect this e-mail?
  2. Is it from someone I know and trust?
  3. Is the content reasonable and/or relevant?
  4. Are there spelling mistakes or is there unusual grammar being used?

Internet Banking Password Tips

Choice Bank goes to great lengths to ensure the security of your online banking experience.

We require your password to be 8 to 15 characters, case sensititve and a combination of #'s, letters & special characters. There must be at least one lowercase letter, one uppercase letter and two numbers. Take advantage of this by mixing case letters, numbers and the special characters.

  • It is recommended that you change your password often.
  • Never share your password or user name with others; even third party providers.
  • Try to avoid using the automatic login feature.
  • Keep your account fresh and check it often. Inactivity to your online account for 90 days will automatically lock you out of your account. This is just another step we do to protect you


Equifax Data Breach

Consumer credit reporting bureau Equifax announced a major data breach affecting approximately 143 million Americans. The company said that from Mid-May through the end of July, criminals exploited an Equifax website vulnerability to access names, Social Security numbers, birth dates, addresses and in some cases driver's licenses. In addition, the company stated that about 209,000 Americans' credit card numbers were accessed, along with credit dispute documents with personally identifying information for 182,000 consumers. Equifax has set up a website to help consumers determine if their information was breached and, if so, to sign up for credit monitoring and identity theft protect offered by TrustedID, an Equifax subsidiary. Equifax will also mail notices to consumers whose credit card numbers of dispute documents were breached.

Equifax Data Breach FAQs


Fake Emails Could Cost You Thousands

Have you ever received an email from a business you know? Scammers sometimes use email that look legitimate to trick YOU into sending money to them. Scammers might receive your information by hacking into a business. Once they know about you , they send an email that seems to come from the business, telling you where to send money. So, how can you spot these scams? Click the article from the Federal Trade Commission below to learn!

FTC: Fake Emails Could Cost You Thousands


Business E-Mail Compromise

Victims of a Business E-Mail Compromises (BEC) range from small businesses to large corporations. It is largely unknown how victims are selected; however, the subjects monitor and study their selected victims using social engineering techniques prior to initiating the BEC scam. The Federal Bureau of Investigation published a Public Service Announcement that has five main scenarios that present how a business can be compromised through the BEC scam. In addition, they provide suggestions for protection and best practices, what to do if you are a victim, and how to file a complaint with the new Internet Crime Complaint Center (IC3). To read the full article, click below: 

Business E-Mail Compromise: The 3.1 Billion Dollar Scam


.BANK - What It Means and How It Benefits You!

At Choice Bank, we are making an important investment in the future of our financial services. In order to better serve our customers, we are pleased to announce that we have transitioned our internet operations to the new domain, WWW.CHOICE.BANK. We see this as an important change, allowing us to create a trusted, verified, more secure and easily identifiable location on the Internet for customers to conduct their banking business with us. 

How .BANK benefits you: 

  • Enhanced Security & Verification Requirements
  • Reduces the risk of cyber threats

And Coming Soon...

  • Domain-based Message Authentication, Reporting and Conformance (DMARC) is used to ensure that email attacks coming from spoofed .BANK addresses are blocked before they reach their intended victim. 
  • DMARC mitigates spoofing, phishing, and other malicious activities propagated through emails for unsuspecting users.

We are delighted to adopt .BANK for our Internet Operations. The increased value of our new WWW.CHOICE.BANK domain enables us to build a high-trust environment for our customers that can provide a safer barrier against cyber-crime. To watch a video about what .BANK does, click here!


Recovering from Identity Theft

Recovering from Identity Theft can be difficult. The Federal Trade Commission provides a list of steps to make the process easier in the event that you are a victim of Identity Theft. Click the link below to view the list.

https://www.identitytheft.gov/


Below is a video tutorial with great tips on what you can do to prevent ID Theft! In addition, the tutorial provides resources if you fall victim to ID Theft:

I.D. Theft Badge


Fraud Victims

Immediately contact Choice Bank if you feel that your Choice Bank accounts have become a victim to identity theft or fraud by calling (920) 230-1300 or (877) 303-1302.

In addition, there are other steps you can take if you feel you are victim of fraud or identity theft and how to file a complaint with the Federal Trade Commission. Please visit the FTC website for additional information. If you desire to place a fraud alert on your credit reports and/or review your credit report activity, you may want to contact one of the following companies:

TransUnion
(800) 680-7289
www.transunion.com

Equifax
(800) 525-6285
www.equifax.com

Experian 
(888) 397-3742 
www.experian.com