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Business Banking

Best Practices/Security

Business Banking Best Practices

  • If possible, and in particular if you transact high value or large numbers of online transactions, you should carry out online banking activities from a computer from which e-mail and Web browsing are not allowed.
  • Turn on the Popup Blocker setting through your browser
  • Install a dedicated, actively managed firewall, especially if you have a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to a network and computers
  • Limit administrative rights on users’ workstations to help prevent the inadvertent downloading of malware or other viruses
  • Install commercial anti-virus and desktop firewall software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product. Do your homework before selecting an anti-virus vendor, ensuring they not only provide coverage for key threats, but also respond quickly to new ones. Do not use the trial versions; they are not updated to detect new threats.
  • Ensure computers are updated regularly particularly operating systems, browsers and key applications with security patches. It may be possible to sign up for automatic updates.
  • Consider installing spyware detection programs
  • Avoid or secure wireless networks
  • Recommend clearing the browser cache before starting an Online Banking session in order to eliminate copies of web pages that have been stored on the hard drive. How the cache is cleared will depend on the browser and version. This function is generally found in the browser’s preferences menu
  • Train staff with access to online accounts on best practices including closing additional browser windows while in online banking, logging off when finished, and never leaving a computer unattended while using online banking, not responding to unsolicited pop-up windows
  • Create a strong password with at least 8 characters that includes a combination of mixed case letters, numbers and special characters and change that password regularly
  • Prohibit the use of “shared” usernames and passwords for online banking systems
  • The company administrator should consider having two sets of login credentials - one used for administrative purposes and one for everyday transactions
  • Use a different password for each website that is accessed
  • Never share username and password information for online services with third-party providers
  • Verify use of a secure session (https not http) in the browser for all online banking, look for green bar and security lock
  • Avoid using automatic login features that save usernames and password
  • Never access bank or other financial services information at Internet cafes, public libraries, or any type of public computer. Unauthorized malware may have been installed to trap account numbers and sign on information
  • Initiate ACH and wire transfer payments under dual control, with a transaction originator and separate transaction authorizer
  • Use Alert features of online banking whenever possible
  • Use tokens for electronic third parties transactions to provide an additional layer of authentication
  • Consider performing your own periodic security risk assessment

Own a business?  Manage your risk of cyber fraud:

Use this tool to create your customized cyber security plan for your business, www.fcc.gov/cyberplanner.  Its informative and easy-to-use!

How can you avoid being a victim of fraud or identity theft?

Accounts may be compromised by responding to a phishing e-mail, infecting your computer with a keylogger or Trojan Horse virus that was installed on your PC or access device, or possibly by trusting someone with your user name and password. To prevent this from happening, we recommend the following:

  • Be suspicious of any e-mail with urgent requests for personal financial information.
  • Don't click the links in an e-mail, instant message or chat if you suspect the message might not be authentic or you don't recognize the sender or user's address transactions are legitimate.
  • Regularly log on to your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate.
  • Always ensure that you are using a secure website when submitting credit card or other sensitive information via your web browser. Look for the https://, the green address bar, and the Security Lock symbol.
  • Ensure that your browser is up-to-date and security patches have been applied.
  • Always report "phishing" or "spoofed" e-mails
  • Install and regularly update anti-virus software on your computer
  • Use good judgment before opening strange or unexpected e-mail attachments and/or files
  • Back up your data
  • While working in online banking, close all other browser windows on your computer
  • Keep papers containing your personal information in a safe place, and shred them when they are no longer needed
  • Close unused credit card accounts

As outlined in our Account Agreement disclosure, federal regulations provide consumers with protection for unauthorized electronic fund transfers. These regulations are not extended to business accounts.

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