October is National Cybersecurity Awareness Month
7 Ways to Avoid Online Fraud
Hanover Community Bank recommends the following tips to keep you safe online:
- Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
- Create complic@t3d passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.
- Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with. Forward phishing emails to the Federal Trade Commission (FTC) at firstname.lastname@example.org – and to the company, bank, or organization impersonated in the email.
- Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc. Be wary of requests to connect from people you do not know.
- Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.
- Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.
12 Tips to Protect Your Mobile Device From Hackers
Take extra precaution to protect the data on their mobile device by doing the following:
- Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
- Log out completely when you finish a mobile banking session.
- Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
- Download the updates for your phone and mobile apps.
- Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
- Avoid storing sensitive information like passwords or a social security number on your mobile device.
- Tell your financial institution immediately if you change your phone number or lose your mobile device.
- Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
- Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
- Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
- Watch out for public Wi-Fi. Public connections aren't very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
- Report any suspected fraud to the bank immediately.
In online banking as with traditional banking methods, security is a primary concern. At Hanover Community Bankwe have taken every precaution necessary to be sure your information is transmitted safely and securely. The latest methods in online banking system security are used to increase and monitor the integrity and security of the system.
The security of the Hanover online banking system is addressed at three levels. The first concern is the security of customer information as it is sent from the customer’s computer to the Web server. The second area concerns the security of the environment in which the online banking server and customer information database reside. Finally, security measures are in place to prevent unauthorized users from attempting to log into the online banking section of the Web site.
Data security between the customer browser and our Web server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. In addition, SSL establishes a security “handshake” that is used to initiate the connection. This handshake results with the client and server agreeing on the level of security they will use and fulfills any authentication requirements for the connection. Currently Hanover’s online banking service supports data encryption at the highest level (128 bit). In order to get this level of encryption, you will need a browser that supports it. For a listing of the browsers supported by our Online Banking service, please refer to our Supported Browsers Listing. Check with your browser manufacturer’s website for more information.
A security analyzer constantly monitors login attempts and recognizes failures that could indicate a possible unauthorized attempt to log into an account. When such trends are observed, steps will be taken automatically to prevent that account from being used.