Computing Safety Tips
The number and sophistication of Identity Theft scams continue to increase. While online transactions are widely considered to be as safe or safer than in-branch or ATM banking, as a general rule you should be careful who you give your sensitive personal information to.
Email / Telephone:
- A legitimate bank or securities company will NEVER contact you via Email / Telephone asking for sensitive personal information or account numbers.
- Be very suspicious of any email or call with urgent requests for personal financial information.
- Phishers typically require you to take immediate action of which they attempt to either scare or excite you in to revealing sensitive information.
- Phisher emails are typically generic in nature and more likely to contain spelling errors.
- If you suspect an email message might not be authentic, use extreme caution as to the websites they link to and what they ask of you. You could always type a known website address yourself and bypass the email links altogether.
- Never fill out forms within email messages that ask for personal financial information. Email is not a secure medium for transmitting sensitive information.
- Phishers typically ask for information such as usernames, passwords, credit card numbers, Social Security numbers and other personal information of which they really have no business asking. Given who they say they are do they really need this information? If ever in doubt just directly call the company in question using a validated telephone number, not one provided to you by the potential phisher.
- Never communicate sensitive information such as credit card numbers, passwords or account information via email. Email is not a secure communication medium and can be intercepted.
- Learn How To Detect A Scam Before It Strikes
- The default Online Banking User ID is your social security number. We recommend that you change this.
- Most likely your Online Banking accounts display as numerical names. It's now possible to give your accounts custom names for easy reference.
- Make sure that we have your current email address so that we can keep you informed of important information and/or updates.
- Learn more about Enhanced Login Security
- Always ensure that you are using a secure website if submitting credit card or other sensitive information via your web browser.
- A secure website or page can be identified as secure by the "https://" rather than just "http://", found at the beginning of the browser's address bar. The extra "s" indicates a secure server connection. Learn More.
- Ensure that your internet browser is up-to-date and the latest security patches are applied. It's a good idea to regularly visit your browser's home page to download the latest security patches even if they don't alert you to do so. Learn More.
- Protect your Social Security number, credit and debit card numbers, personal identification information, passwords and other sensitive information.
- Keep your financial trash "clean" and use a paper shredder where possible.
- Don't leave it for as long as a month before you check your account(s).
- Regularly check your bank, credit and debit card statements to ensure that all transactions are legitimate.
- How To Report Suspicious Activity
Protecting Your Computer:
Some Identity Theft attacks utilize computer viruses, spyware or 'Trojan Horses' to install programs on your computer. In some cases these attacks are harmless, in other cases they are malicious and either seek to damage your computers ability to function or attain some kind of financial gain through access to sensitive information found.
The best way to protect yourself, your sensitive data and your computer is to (1) make sure every computer you use has virus and firewall protection installed. (2) treat your computer as a quarantined area and become security conscious about anything new which you download, install or add to that computer environment.
One tool that you may use to aid in your online protection is the security software Trusteer Rapport, a free download from Uwharrie Bank.
Trusteer Rapport is only one layer of security, it is highly recommended that, at a minimum, you install some kind of anti-virus protection software on your computer. It is also recommended that you purchase software from a known and credible brand name. Some examples are listed below:
It is also recommended that you purchase software from a known and credible brand name. Some examples are listed below:
Some of the more recent Symantec and McAfee security solutions also deal with Spyware and intrusion detection. Listed as an optional extra the companies below offer free basic downloads of software designed specifically for the purpose of Spyware removal but this software does not provide protection against computer viruses or intrusion attempts.
The following listed companies offer opinions on the current status of certain websites you might choose to visit. They attempt to alert you of websites which have been flagged as ok, questionable or which should be avoided. They provide details if a website is deemed as being questionable. In both cases a free basic download is available: