USAmeriBank will never ask for or send personal or account
information through email, text message or phone. We will only contact you
regarding account changes or secure account information through post mail, fax,
or your myAccess or Secure Access Manager online banking account.
The two most prevalent types of fraud, keylogging
and phishing, occur from viruses on your computer. In
both cases, the end result is that the fraudster captures your login
credentials, which allows them to commit fraud.
- Keylogging is a method by which fraudsters record your
actual keystrokes and mouse clicks. Keyloggers are "Trojan" software or malware
programs that target your computer's operating system and are installed via a
- These can be particularly dangerous because the fraudster has captured your
user ID and password, account number, Social Security Number – and anything else
you have typed. If you have the same ID and PIN or password for many different
online accounts, you've essentially granted the fraudster access to any computer
with whom you conduct business. After all, they've got your login credentials so
they appear to be valid.
- Phishing involves identity thieves stealing personal
information by posing as a financial institution, credit card company, online
merchant, utility company, internet service provider, government agency, or
prospective employer, and asking people to provide their Social Security
numbers, account numbers, pins, passwords and more.
- These requests are most commonly in the form of an email from an organization
with which you may or may not do business. In many cases, the email has been
made to look exactly like a legitimate organization, complete with company logos
and other convincing information. The email usually states that the company
needs you to update your personal information or that your account is about to
become inactive. Their goal is to get you to click the link, which takes you to
a site mirroring the real thing. Phishers will also claim that you have won a
contest or have unclaimed money available.
- These types of communications aim for you to react immediately from fear or
excitement before there is time to evaluate the circumstances. If you click on
the link to go to the phony website and enter your information, you've just been
the victim of a phishing attack. The fraudsters have captured the necessary
information to access your accounts online.
- No reputable business will ever email you requesting that you update your
personal information, such as account numbers, system passwords or Social
With new viruses and scams being developed every day, there are no foolproof
prevention methods. As the customer, you are responsible for protecting your
user IDs and passwords to combat fraud. Having a general awareness of the
threats and using the tips below enables you to bank online with less risk and
more peace of mind.
Consumer Online Banking Safety Tips
- Keep your password protected. Do not use your Social Security number as a
username or password. Change your username and passwords regularly and use a
combination of letters, numbers and special characters. Never keep login
information written down or near your computer.
- Don't use your bank information for other online accounts.
- Don't share your answers to security questions. Avoid sharing personal
information on social media sites. Details such as your birthday, home address
and mother's maiden name are common answers to security questions. Carefully
review privacy options for any of the social networks you use to ensure there is
no disclosure of private information.
- Watch out for questionable emails and text messages. Don't open attachments, click on
links, or respond to emails from unknown senders. If you share personal or
banking information, contact USAmeriBank immediately. If you're looking to
download a program, double check that it is from a legitimate source.
- Use secure and trusted websites. Use secure websites for transactions and
shopping. Shop with merchants you trust. Make sure internet purchases are
secured with encryption to protect your account. Look for secure transaction
signs like a lock symbol in the lower right-hand corner of your browser or
"https" in the address bar.
- Use caution when conducting online banking on shared computers. Any
actions that require entering financial or personal credentials should be done
from a safe and secure computer. Set up security alerts so if information is
changed you will receive and email that a password or other information has
changed. If you did not change the information, contact the bank to investigate.
- Keep your computer operating system, programs, browser version,
software, patches and plug-ins current. Having up-to-date anti-virus software
and firewalls is critical for protecting your computer. Configure your devices
to prevent unauthorized users from remotely accessing your devices or home
- Check your credit report regularly for suspicious activity. You can pull
a free report at
Business Online Banking Safety Tips
- Don't give out login information. Never share account information with
employees or customers, such as user IDs and passwords. Don't provide such
information to anyone who contacts you through telephone, email or text message.
- Use Dual Control. Use dual control for online transactions, wire
transfers, ACH transactions and self-administration services. Dual control, an
industry best practice, requires a second level of approval to release online
payment transactions and make self-administration user changes. Drafting and
Approving transactions should be completed on separate machines as a safety
- Notify the bank of administrative or employee changes that may affect your
business' accounts. If an authorized signatory or approver leaves the company,
the bank should be notified immediately. The former employee must be removed
from all authorizations. Make sure bank signature cards, funds transfer
agreements, access codes and other authorizations are current by conducting an
annual audit. Set up security alerts so if information is changed you will
receive and email that a password or other information has changed. If you did
not change the information, contact the bank to investigate.
- Monitor your online accounts for suspicious activity. Contact USAmeriBank
immediately if anything is out of the ordinary.
- Make sure everything is up-to-date. Check that your company's operating
system, firewalls, servers and client applications are updated with all
vendor-recommended patches. Antivirus and antispyware software should be
installed and updated regularly.
- Use caution if you get a message asking you to make a change to an
account. If you receive an email or text message asking you to update your
information, activate an account, or verify your identity by calling a phone
number or submitting information online, call back and check that it is from a
legitimate source. Be careful when dealing with email attachments and
downloadable files as well.
- Use secure and trusted websites, especially for transactions. There are
signs to identify if a site is secure. A lock symbol in the corner of your
browser or "https" in the address bar can signify trusted websites. Block access
to web addresses not necessary for your employees' business use.
- Educate your employees about online fraud. Stress to them that they should
never give out online banking information, including passwords or PINs.
Mobile Banking Safety Tips
- Install mobile security software to provide device protection.
- Make sure the app you use for financial transactions is genuine and
authorized. Only download banking applications from reputable sources. Log out
before closing apps to reduce the risk of others accessing information from your
- Do not give out financial information over the phone. Unless you initiate
the call and know the person or organization you are dealing with, do not give
out this information, especially your Social Security Number.
- Lock your mobile device. When you're not using your smartphone, use the
keypad lock or phone lock. This will make it more difficult for someone else to
view your information. Keep the mobile operating system updated.
- Be wary of emails and text messages with links or attachments. Never open attachments or
click on links from suspicious or unknown senders.
- Don't store financial information on your phone. Avoid saving any
passwords or sensitive information on your phone, where it could be discovered
- Contact the bank if your smartphone is lost or stolen, or if you change
your number. You need to make sure the bank has the most up-to-date information
for your records.
- Perform regular backup of data stores on mobile device.
- Use caution when tapping into public hotspots. Review your Wi-Fi and
Bluetooth connection settings.
If You Detect Fraudulent or Suspicious Activity
If you believe your online banking credentials have been compromised, or your
identity has been stolen, it's critical that you report it without delay. Any
incidents of fraud or suspected fraud should be immediately reported to the
Report suspicious activity involving your USAmeriBank accounts by emailing
We cannot advise you as to all the potential threats to the security of your
computer system or network so if you have particular questions or concerns we
recommend that you contact a computer security professional to help you secure
your computer system to protect your financial information and combat fraud.