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Best Practices for Online Banking Security
 
User ID and Password Guidelines

  • Create a "strong" password with at least 8 characters that includes a combination of mixed case letters and numbers.

  • Change your password frequently.

  • Never share username and password information with third-party providers.

  • Avoid using an automatic login feature that saves usernames and passwords.

General Guidelines

  • Do not use public or other unsecured computers for logging into Online Banking.

  • Check your last login date/time every time you log in.

  • Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.

  • View transfer history available through viewing account activity information.

  • Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic record keeping.

  • Take advantage of and regularly view system alerts; examples include:

    • Balance alerts

    • Transfer alerts

    • Password change alerts

    • ACH Alerts (for cash management users)

  • Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.

  • Whenever possible, register your computer to avoid having to re-enter challenge questions and other authentication information with each login.

  • Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.

  • Never leave a computer unattended while using Online Banking.

  • Never conduct banking transactions while multiple browsers are open on your computer.

Tips to Protect Online Payments & Account Data

  • Take advantage of transaction limits.

  • When you have completed a transaction, ensure you log off to close the connection with the financial organization's computer.

  • Use separate accounts for electronic and paper transactions to simplify monitoring and tracking any discrepancies.

  • Reconcile by carefully monitoring account activity and reviewing all transactions initiated by your company on a daily basis.

Account Transfer

  • Use limits provided for monetary transactions

  • Review historical and audit reports regularly to confirm transaction activity.

  • Utilize available alerts for funds transfer activity.
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