- Update your computer operating system on a regular basis.
- Keep your browser current with the latest security updates.
- Use updated anti-virus software.
- Use updated anti-spyware software and consider using more than one, to ensure the most thorough scan.
- Change your passwords on a regular basis, as a good practice to help prevent unauthorized access.
- Download free software only from websites you know and trust.
- Do not install software without knowing exactly what it is or what it will do (read the end-user license agreement).
- Close pop-up ads by clicking on the "X" instead of clicking within the advertisement itself.
- Review your browser security settings and set them to a high enough level to help detect unauthorized downloads. (Click your browser's "Help" menu for steps).
- Do not click link inside of spam email. Especially emails claiming to offer anti-spyware software.
Install a personal firewall on your computer. A firewall works like a filter that prevents access to information on your computer.
- Don't give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.
- Disconnect from the internet when you are not online.
Protect Yourself & Your Personal Information
- Add your phone numbers to the national Do Not Call Registry at www.donotcall.gov or by calling 1-888-382-1222.
- Don’t share your account number with anyone.
- Don’t give your account number to someone over the phone especially if you did not call them.
- Store checks, account statements and other sensitive information in a secure place.
- Don’t share your debit or credit cards with anyone.
- Review your online account information frequently and your statements promptly. Let us know right away if you see something you don’t recognize.
- Balance your checkbook every month. If you don’t receive a statement, let us know right away.
- Obtain and review a copy of your credit report periodically. This is one way to guard against identity theft.
- Check your mailbox every day; don’t leave your mail there for thieves to steal. Consider dropping your outgoing mail in a US Postal Service mailbox.
- Use Online Payments and sign up for eStatements no more paper statements, just view them online.
- Don’t give sensitive information to unknown callers. Hang up and call the Company you want to talk to yourself, using a phone number that you located in the Phone book or your own records.
- WE WILL NEVER MAKE AN UNSOLICITED TELEPHONE CALL REQUESTING SENSITIVE INFORMATION FROM YOU.
- Don’t carry your social security card, birth certificate or passport in your wallet or purse. Don’t print your social security number or driver’s license on your checks.
- Shred materials containing sensitive information before you throw them away.
- Opt out of pre-screened credit offers every 5 years by calling 1-888-567-8688 or at www.optoutprescreen.com.
- Do not leave your purse, wallet, checkbook, or any other forms of identification in your car.
- We have encryption technology in place that allows for the protection of data in transit between your computer and ours. A secure website address will begin with https:// (the “s” signifies secure). The “closed lock” icon will usually indicate whether a communication session is encrypted also.
- Our system is designed to log you off automatically after 10 minutes of inactivity.
- We only display the last three digits of your account numbers online to prevent people looking over your shoulder and seeing the full number.
- Never disclose your User ID or Password to anyone else.
- Memorize your User ID or Password, don’t write them down
- Change your password every 90 days
- Don’t use birth dates, names, or other easily guessed letters or numbers
- Don’t be taken in: WE WILL NEVER SEND YOU AN E-MAIL ASKING FOR YOUR USER ID OR PASSWORD.
- When you are done online, log-off (look for the log-off link we provide). We suggest you do this before you surf to any other web sites.
- Keep track of transactions on your accounts by logging onto Brunswick State Bank's Online Banking, where you can view your activity as it is posted.
Don’t use e-mail to send us or anyone else sensitive information (such as social security numbers, account numbers, etc.) even if the request looks like it came from Brunswick State Bank, a regulator, or an auditor. If these e-mails tell you your account will be shut down if you don’t act quickly, DON’T BE INTIMIDATED. The Brunswick State Bank will NEVER request you to verify an account number, password, PIN or Social Security number through an e-mail. If you are unsure, do not click on any of the links or attachments. Call the Brunswick State Bank at 402-842-2435 or 1-888-393-7945.
- Do not fill out forms in Emails
- Be cautious about opening attachments or downloading files, regardless of who sent them.
- Be wary of emails from people or sources you don't know or trust. Many phishing scams originate outside of the United states.
- Just because it looks like the email has been sent from a legitimate organization or someone you know, it may have been crafted by a tech-savvy con artist.
- Grammatical errors, odd capitalization, misspellings, odd phrases and sentences that sound a bit off are usually phishing emails.
- Hoover over link in your email before you click on it, when you hoover over a link it will tell you the true address of the link.
- Phishing is a form of social engineering, phishers will pose as a trusted company to try and trick you into providing sensitive information.
- If you do click on a link it will usually take you to a fake website that looks like your bank, credit card company and even PayPal account.
- If you receive a call and don't believe you are talking to a legitimate company, hang up and call the company back with using a phone number that you located in the Phone book or your own records.
- Do not give out personal information, such as your account numbers, card numbers, Social Security, tax identification numbers, passwords, or PINs, unless you have initiated the call.
Additional Things you should do to protect yourself:
Identity Theft is the most popular and profitable form of consumer fraud. It occurs when someone uses your personal information such as your name, Social
Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. Never respond to a high pressure email, phone call or other contact asking for information or threatening to freeze or deactivate your accounts. Just hang up or disconnect the contact, reach out to the company or bank directly using the phone book or your own records.
Common ways identity theft can happen:
- "Old Fashioned" Stealing
Thieves steal your wallets and purses. They also steal mail such as credit card and bank statements, pre-approved credit card offers, check orders and other financial mail.
- Dumpster Diving
Thieves dig through trash looking for bills, financial or other personal information.
Thieves modify or redirect your billing statements to another address by completing a "change of address" form.
Thieves may send unsolicited Emails, pretending to be a financial institution or a company, asking you to click a link to update or confirm your personal or login information. The link is directed to a "spoof" website designed to look like a legitimate site.
Thieves place a card reader device to copy the card's magnetic strip to duplicate your information without the card owner's knowledge.
If you are a victim of Identity Theft, follow these three steps:
- Contact the fraud departments of each of the three major credit bureaus and report that your identity has been stolen. Ask that a “fraud alert” be placed on your file and that no new credit be granted without your approval.
- EQUIFAX – 1-888-378-4329
- EXPERIAN – 1-888-397-3742
- TRANSUNION – 1-800-888-4213
- For any accounts that have been fraudulently accessed or opened, contact the security departments of the appropriate creditors or financial institutions to close these accounts.
- File a report with your local police or the police where the identity theft took place. Get a copy of the report in case the bank or Credit Card Company needs proof of the crime at a later date.
- Request a copy of your Social Security statements at https://www.ssa.gov/myaccount to be sure that no one else is using your social security number for employment.
If you have questions please: