Privacy & Security

Privacy Notice

Stop Cyber Theft

4 SIMPLE STEPS TO STOP A CYBER THIEF

Murphy-Wall State Bank and Trust Company Raises Awareness for Data Privacy

Our first priority is to protect our customers’ money and information. We use a combination of safeguards to protect our customers’ information, and we encourage our customers to partner with us in that effort.

To help ensure the safety of personal information, we suggest following these four tips:

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  1. Create c0mplic@t3d passwords. Avoid birthdays, pet names and simple passwords like 12345. It is also important to change passwords at least three times a year. Because friendly theft – theft by someone the victim knows – is the most common type of identity theft or fraud, don’t share your passwords with family members and be mindful of who has access to your personal information.
  2. Keep tabs on your accounts. Check account activity and online statements often, instead of waiting for the monthly statement. You are the first line of defense because you know right away if a transaction is fraudulent. If you notice unusual or unauthorized activity, notify your bank right away. When a customer reports an unauthorized transaction in a timely manner, the bank will cover the loss and take measures to protect the account.
  3. Stay alert online. Be sure computers and mobile devices are equipped with up-to-date anti-virus and malware protection. Never give out your personal financial information in response to an unsolicited email, no matter how official it may seem. Your bank will never contact you by email asking for your password, PIN, or account information. Only open links and attachments from trusted sources. When submitting financial information on a website, look for the padlock or key icon at the top or bottom of your browser, and make sure the Internet address begins with “https.” This signals that your information is secure during transmission.
  4. Mobilize your defenses. 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. Before you donate, sell or trade your mobile device, be sure to wipe 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. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially from senders you don’t know.

Cybersecurity

A Cybersecurity Guide

for Financial Institution Customers.

Computer-related crimes affecting businesses and consumers are frequently in the news. While federally insured financial institutions are required to have vigorous information security programs to safeguard financial data, financial institution customers also need to know how to steer clear of fraudsters.

This guide, developed by the Federal Deposit Insurance Corporation, provides cybersecurity information for financial institutions’ customers on how to protect and maintain their own computer systems.

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Protect your computer

Install software that protects against malware, or malicious software, which can access a computer system without your consent to steal passwords or account numbers. Also, use a firewall program to prevent unauthorized access to your PC. While protection options vary, make sure the settings allow for automatic updates.

Use the strongest method available to log into financial accounts.

Use the strongest authentication offered, especially for high risk transactions. Use passwords that are difficult to guess and keep them secret. Create “strong” user IDs and passwords for your computers, mobile devices, and online accounts by using combinations of upper- and lower-case letters, numbers, and symbols that are hard to guess and then change them regularly. Although using the same password or PIN for several accounts can be tempting, doing so means a criminal who obtains one password or PIN can log in to other accounts.

Understand Internet safety features

You can have greater confidence that a Web site is authentic and that it encrypts (scrambles) your information during transmission if the Web address starts with “https://.” Also, ensure that you are logged out of financial accounts when you complete your transactions or walk away from the computer. To learn about additional safety steps, review your Web browser’s user instructions.

Be suspicious of unsolicited e-mails asking you to click on a link, download an attachment, or provide account information.

It’s easy for cyber criminals to copy the logo of a reputable company or organization into a phishing email. When responding to a simple request, you may be installing malware. Your safest strategy is to ignore unsolicited requests, no matter how legitimate or enticing they appear.

Be careful where and how you connect to the Internet

Only access the Internet for banking or for other activities that involve personal information using your own laptop or mobile device through a known, trusted, and secure connection. A public computer, such as at a hotel business center or public library, and free Wi-Fi networks are not necessarily secure. It can be relatively easy for cyber criminals to intercept the Internet traffic in these locations.

Be careful when using social networking sites

Cyber criminals use social networking sites to gather details about individuals, such as their place or date of birth, a pet’s name, their mother’s maiden name, and other information that can help them figure out passwords — or how to reset them. Don’t share your ‘page’ or access to your information with anyone you don’t know and trust. Cyber criminals may pretend to be your ‘friend’ to convince you to send money or divulge personal information.

Take precautions with your tablet or smartphone

Consider opting for automatic updates for your device’s operating system and “apps” (applications) when they become available to help reduce your vulnerability to software problems. Never leave your mobile device unattended and use a password or other security feature to restrict access in case your device is lost or stolen. Make sure you enable the “time-out” or “auto lock” feature that secures your mobile device when it is left unused for a certain period of time. Research any app before downloading it. Consult your financial institution’s website to confirm where to download its official mobile application.

Educate yourself

To learn more about cybersecurity, visit the “Stop. Think. Connect. Resource Guide” at Stop.Think.Connect Guide.
A message from the Federal Deposit Insurance Corporation (FDIC-018-2016)

Tips for Identity Theft Victims

Tips for Victims of Fraud or Identity Theft:

If you are a victim of fraud and suspect your personal information has been compromised, you should take the following steps:

  • Call your bank and credit card issuers immediately so they can take necessary steps to protect your account.
  • File a police report and call the fraud unit of the three credit-reporting companies.
  • Consider placing a victim statement in your credit report and a fraud alert on your account.
  • Keep a log of all the contacts you make with authorities regarding the matter. Write down names, titles, and phone numbers in case you need to re-contact them or refer to them in future correspondence.
  • Contact the FTC’s ID Theft Consumer Response Center at 1-877-ID THEFT (1-877-438-4338) or www.ftc.gov/idtheft.