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Personal Banking

Personal Banking

Personal Banking

Personal Banking

Best Practices/Security

Security Is Everyone's Responsibility- Your Choices Make a Big Difference!

We take safeguarding your information seriously; however, even the best security measures can only prevent fraud if you are also vigilant about employing the necessary safeguards to protect your information. Guard your financial information carefully. First Trust will never request that you provide personal, account information or logon credentials via the phone or by text, e-mail or pop-up in your browser.

  • If someone contacts you claiming to be a representative from the bank requesting information, that person may be attempting to defraud you. Do not provide any information. Call the bank at (815)929-4000 and report the event.
  • Never give other individuals your logon credentials such as pin numbers, passwords, or challenge question answers.
  • Keep your financial documents in a safe place. Shred discarded information.
  • You may decide to choose the option to receive encrypted electronic statements and check images.Financial documents left in mailboxes are sometimes retrieved by thieves.
  • Guard your debit and credit cards, and report a lost card or fraudulent transactions immediately.
  • Choose a challenge question for your bank account for which the answer is not easily obtained; for example, never use a question which is answered on your FaceBook page or through other social media.
  • Do not use the same password for multiple accounts.

More suggestions for protecting your online account...

There are several computer operating and maintenance habits that enhance your security.

  • Keep your computer operating system, web browser and application patches current. It may be possible to sign up for automatic updates.
  • Close all other browser sessions / windows when working in online banking.
  • Install and regularly update virus protection software.
  • Close pop-ups safely by right-clicking the ad in your task bar and selecting “close” from the menu. Avoid clicking on the pop-up itself.
  • Use alert features in online banking and bill pay wherever possible. First Trust's online banking allows you to setup notifications for several balance and transactions levels.
  • Review your account online frequently.

Personal Banking Best Practices

  • Create passwords memorable to you and difficult for others to learn.
  • Log off when you are finished with a site.
  • Close your browser when you are not using the internet.
  • Install and keep anti-virus security sotware up-to-date on your computer.
  • Do not select the "Remember Me" option offered on many websites.
  • Install personal firewalls which also assist in preventing cyber attack. 
  • Install software patches, operating system updates, and legitimate third party application updates.
  • Secure your home wireless network.
  • Delete account sensitive emails, and empty the Recycle Bin or Trash.
  • Look beyond the logo of e-mails or messages and resist giving out sensitive information.
  • Make purchases online only from trusted companies with a secure payment site (one with an unbroken key or a locked  padlock icon at the bottom of the browser screen and an address beginning with "https.)"If the offers on a site or in an e-mail look too good to be true, they probably are. Do not submit personal information there.

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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