Your Security and Privacy
Southwind Bank of Russell and Natoma, Kansas, is committed to providing its customers with the highest level of financial strength, soundness and security available. Using proven technologies and methods to protect your personal information, both Online Banking and Mobile Banking utilize current encryption and security features including 128-bit SSL encryption, multi-layered authentication and application time-out when your PC or mobile device is not in use.
To further strengthen security, there are many steps you can take to ensure the highest level of protection. The following information provides many useful tips to help you manage your security.PC And Network SecurityPersonal Computer Usage
- Use a current web browser. Newer browsers are being deployed with your security in mind.
- Install all security updates offered by your software provider(s) including Microsoft, Apple, Adobe, and Sun Java.
- Install a personal firewall on your computer or if using a Windows OS, utilize Windows firewall (turned on by default since Windows XP SP2).
- If you utilize a wireless router, be sure to change your network's name from the factory default and secure your wireless network with a password and encryption.
- Protect your computer against viruses and spyware by using anti-spyware software, anti-virus software, and automatic upgrades.
- Scan your computer regularly for both spyware and viruses.
- Avoid downloading programs from unknown sources. Some sources may have hidden forms of spyware or viruses that could compromise the security of your computer.
- You can verify secure sites by clicking on the gold padlock icon located in your browser application and reading the site info in the box that appears.
- Activate a pop-up blocker.
- Leave suspicious sites. If a website does not appear to be what you expected it to be, leave immediately.
- Be vigilant in your online activities. Always keep in mind that forging emails and creating fraudulent websites is not difficult.
- Read and familiarize yourself with the Privacy Policies and legal disclosures of software providers.
- Always sign off from your Online Banking session.
Mobile Device Security
- Question suspicious emails. We will never send you an email asking for your online banking user ID or password.
- If you receive an email that appears to be suspicious, do not reply to it or click on the link it provides. Simply delete it.
- If you think you may have provided personal or account information in response to a fraudulent email or website, report the fraud immediately, change your password, and monitor your account activity frequently.
- Avoid clicking on links provided in emails. It is always better to type the address into your browser.
- Open email attachments only if you know the sender. It is best to save and scan attachments with your anti-virus software prior to opening.
- Most computer files have filename extensions, such as ".doc" for documents or ".jpg" for images. Any file that appears to have a double extension, like "heythere.doc.pif" is extremely likely to be a dangerous file and should never be opened.
- Never open email attachments that have file endings of .exe, .pif, or .vbs. These are file extensions for executables, and are commonly dangerous files.
- Be careful and selective before providing your email address to a questionable website. Sharing your email address makes you more likely to receive fraudulent emails.
- Confirm the validity of all requests for sensitive personal, financial, or account information, particularly if they are made with an urgent or threatening tone.
- Confirm requests for personal or account information by going to the company's website directly. Open a new browser window, type the Web address, and check to see if you must actually perform any activity that an email may be asking you to do, such as change a password.
- If you experience a lost or stolen phone, you can disable your phone from any PC. Simply log in to Online Banking, click on Mobile under the Preferences tab, then uncheck the box in Mobile Enrollment to disable your phone.
- Many mobile devices offer password protection on the home screen. You should consider utilizing this feature, especially if enrolled in mobile banking.
- Just because an app is on the marketplace doesn’t mean it is necessarily safe. It is fairly easy for hackers to pose as a software company and make apps available on these marketplaces that look just like the other legitimate apps. Just because it is on the marketplace doesn’t mean it is necessarily safe. Take a close look at who is offering it, and beware of “free” versions of apps you normally have to pay for. Malicious apps can take over your phone, steal your data, or send text messages to “premium service” numbers, which automatically adds charges to your monthly bill.
- Most smartphones have permission systems that allow you to control what an app can access and do on your phone. Whenever you download a new app, don’t just hit “accept” when it is asking for permissions. Have a look at what it is asking for access to. Even legitimate free apps often pay for themselves by pillaging your phone for information they can sell to marketers.
- QR Codes are those little square barcodes you can find just about anywhere from magazines to product packaging to store ads. Many phones allow you to snap a picture of these codes to be taken to a website displaying information about whatever you are looking at. Just remember that while these can save you time and can be handy, it is the equivalent to clicking a link to a website and having no idea where you are going. It could open your browser to a malicious website trying to install malware on your phone. Your best bet is always to just go to the proper website yourself, that way you know for sure what site you will be pulling up.
General Security Tips:
The best way to prevent becoming a victim of fraud is to learn to recognize the signs of fraud. Visit the Federal Bureau of Investigation to learn more about common fraud scams, including investment-related scams, internet scams, and scams with senior citizens as the fraud target. Educating yourself is the key to preventing these types of scams. Here are a few tips to help:
Internet Security Tips:
- Do not respond to unsolicited advertisements.
- Do not believe the promise of large sums of money for your cooperation.
- You should not be asked to pay in advance for services. Pay services only after they are delivered.
- Always ask for and wait until you receive written material about any offer or charity.
- Always take your time making a decision. Legitimate companies won't pressure you to make a snap decision.
- Don't pay for a "free prize." If a caller tells you the payment is for taxes, he or she is violating federal law.
- Store your checks, deposit slips, bank statements, and cancelled checks in a secure and locked location. Never leave your checkbook in your vehicle or in the open.
- Unless needed for tax purposes, destroy old cancelled checks, account statements, deposited checks, ATM receipts, etc.
- If you have information about fraudulent activity, report it to state, local, or federal law enforcement agencies.
Debit and Credit Card Security Tips:
- Never use easy-to-guess passwords, for example: birth dates, first names, pet names, addresses, phone numbers, or social security numbers.
- Choose complex or strong passwords, for example: at least eight characters long, different from previous passwords, contains characters such as uppercase letters, numerals, and symbols.
- Never reveal your pins and passwords to another person.
- Don't give out your credit card number(s) online unless the website is a secure and reputable site. Sometimes a tiny icon of a padlock appears to symbolize a higher level of security to transmit data. This icon is not a guarantee of a secure site, but might provide you some assurance.
- Do your homework on the individual or company to ensure they are legitimate. A simple web search of a company name or product will often tell you if there is concern of fraud.
- Don't judge a person/company by their web site. Just because an individual or company has a flashy web site doesn't mean it is legitimate. Web sites can be created in just a few days. After a short period of taking money, a site can vanish without a trace.
- Be cautious when responding to special offers (especially through unsolicited e-mail).
- Be cautious when dealing with individuals/companies from outside your own country.
- Review your accounts frequently – not just once a month when you receive your statement – to be sure that the accurate amounts have been charged. If anything looks suspicious you should contact the card issuer immediately.
- Keep a list of your cards and account information along with the card issuer's contact information.
- Never carry your card personal identification number (PIN) with you. Memorize it, or keep the number in a safe place at home.
- Always be sure to retrieve both your card and receipt after every transaction.
- Only give your card number over the phone if you have initiated the contact.
- Never lend your card.
- Report lost or stolen cards immediately.
What is Identity Theft?
Identity theft starts with the misuse of your personal information such as your name and Social Security number, credit card numbers, or other financial account information. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.
Skilled identity thieves may use a variety of methods to get hold of your information, including: Dumpster Diving, Skimming, Phishing, Changing Your Address, Old-Fashioned Stealing, and Pretexting. To learn more about identity theft and what to do if you feel you may be a victim, visit the Federal Trade Commission's Identity Theft Site. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney general.How Do I Protect Myself From Identity Theft?
- Don't give out personal information over the phone, through the mail or over the Internet unless you've initiated the contact or know who you're dealing with.
- Be informed. Legitimate organizations you do business with have the information they need and will not ask you for it.
- Pay attention to your statement cycles. Follow up with your financial institutions if your statements don't arrive on time.
- Review your accounts frequently. Report any discrepancies to your institution immediately.
- Alert family members to the dangers of Social Engineering (the art of manipulating people into performing actions or divulging confidential information.) Explain that only you, or someone you authorize, should provide personal information to others.
- Keep items with personal information in a safe place.
- Add passwords to your credit card, bank and phone accounts.
- Be mindful about where you leave personal information in your home, especially if you have roommates or have work done in your home by others.
- Find out who has access to your personal information at work and verify that the records are kept in a secure location.
Order a copy of your credit report from the three nationwide consumer reporting companies every year. An amendment to the federal Fair Credit Reporting Act requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit reports, at your request, once every 12 months. Do not contact the three nationwide consumer reporting companies individually. They provide free annual credit reports only through www.annualcreditreport.com, 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the order form from ftc.gov/credit.
Your credit report contains information on where you work and live, the credit accounts that have been opened in your name, how you pay your bills and whether you've been sued, arrested or have filed for bankruptcy. Checking your report annually can help you catch mistakes and fraud before they wreak havoc on your personal finances.Reporting Theft
- To report fraudulent activity on your Southwind Bank account, contact us at 800-522-0172 or 888-483-4230.
- To report a lost or stolen debit card, contact the bank during business hours at 800-522-0172; after hours call 877-226-2351.
- Report schemes and scams to your local police department or the FTC Complaint Center
You have the right to ask that nationwide consumer credit reporting companies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
Equifax: 1-877-576-5734; www.alerts.equifax.com
Experian: 1-888-397-3742; www.experian.com/fraud
TransUnion: 1-800-680-7289; www.transunion.com