Customer Education

Internet Banking Customer Education

The safety and security of your financial information is of primary importance to us. This page includes important information about fraud as well as links to several resources where you can learn more about the many different types of fraud and things you can do to minimize your risk.

Neither our bank nor our service providers will ever contact you by telephone or email requesting personal information, your access ID or your password. If you are contacted by anyone requesting this information, DO NOT provide the information and contact our Bank Operations department by phone at 313-256-8412.

Beware of Phishing Attempts and Internet Scams

Phishing is a social engineering technique often used by criminals to trick individuals into providing personal information such as: debit card numbers, account numbers, social security numbers, access ID’s and passwords.

Phishing maybe preformed over the telephone, through email, or through redirection to a fraudulent website that appears to look just like the legitimate site.

Some of these fraudulent websites and even compromised legitimate sites may be virus laden and can be used to download malicious software (also known as mal-ware) to your computer.  We have listed some tips below to help protect your personal information on the internet:

  • Never share or give out your Access ID, User Name, Passwords, or Security Challenge Questions & Answers
  • Monitor your account activity on a regular basis
  • Do not use personal information as your Access ID, User Name & Password
  • Create difficult passwords that include letters & numbers and upper & lowercase letters
  • Change your password frequently
  • Avoid using public computers to access your Internet Banking
  • Always log-out of internet banking.  Don’t just use the X to close out of the system
  • Do not provide any personal information to websites that do not use encryption or other secure methods of protection
  • Ensure your computer is equipped with up to date anti-virus, anti-spam and mal-ware software
  • Do not allow your computer or web browser to save your login names or passwords
  • If your computer is connecting directly to the internet you should use a personal firewall software or a hardware router/firewall to protect your PC
  • Keep your computer updated with the latest updates and patches for your operating system
  • If you have any questions about the legitimacy of an email, especially an email from this institution, call us at 313-256-8412

Here are some additional tips for commercial customers:

  • Perform your own annual internal risk assessment & evaluation on all online accounts
  • Establish internal policies regarding employee internet usage
  • Ensure all company computers are equipped with up to date anti-virus protection software
  • Ensure you have procedures for terminating access for former employees
  • Inform employees to never write down Internet Banking passwords and leave them out in the open
  • Ensure dual control or other checks and balances over individual access to online transaction capabilities

Links to More Resources

http://ftc.gov/

http://onguardonline.gov/

http://www.stopfraud.gov/

http://antiphishing.org/