Stockman Bank continually strives to provide the highest level of internet security for our customers. To keep our customers informed and educated on internet security issues, we are providing the following information as a valuable tool.
Precautions To Prevent Online Fraud
If you encounter any issues while using our website or receive suspicious emails asking for your personal information that appear to be from Stockman Bank, please forward this information to our internet security help desk at firstname.lastname@example.org or call toll free at 1-877-300-9369. If you have responded to a suspicious email by sharing your personal information, please contact your nearest Stockman Bank office as soon as possible.
How You Can Protect Yourself
You are the best person to protect your personal information because you can control the information you choose to release! It's okay to be skeptical when providing your personal information. You can protect your personal information by:
- keeping anything with personal or account information in a safe place
- providing your information only to trusted sources
- reducing the amount of mail or email you receive with your information on it
Secure Your Computer
You don't have to be an expert in computers to protect yourself on the Internet from online fraud and identity theft. Install anti-spyware, anti-virus, and a personal firewall on your computer if you haven't already. Many products are available that will help you prevent criminals from gaining access to your computer and stealing your personal information.
Basic Internet Security Tips
Maintain current anti-spyware and anti-virus software on your home computer.
- Install all security updates offered by your software providers.
- Reduce the amount of mail and email you receive containing personal information.
- Make sure requests for sensitive personal, financial or account information are legitimate, particularly if they are made in an urgent or threatening tone.
- Do not share IDs or passcodes with anyone.
Types of Online Fraud
There's a type of Internet piracy called "phishing." It's pronounced "fishing," and that's exactly what these thieves are doing: "fishing" for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.
In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even driver's licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.
Here's how phishing works:
In a typical case, you'll receive an email that appears to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the email may appear to come from a government agency, including one of the federal financial institution regulatory agencies.
The email will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as "Immediate attention required," or "Please contact us immediately about your account." The email will then encourage you to click on a button to go to the institution's Web site.
In a phishing scam, you could be redirected to a phony Web site that may look exactly like the real thing. Sometimes, in fact, it may be the company's actual Web site. In those cases, a pop-up window will quickly appear for the purpose of harvesting your financial information. In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth.
If you provide the requested information, you may find yourself the victim of identity theft.
How to Protect Yourself
1. Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the Internet. Emails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.
2. If you believe the contact may be legitimate, contact the financial institution yourself. You can find phone numbers and Web sites on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the Internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.
3. Never provide your password over the phone or in response to an unsolicited Internet request. A financial institution would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.
4. Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving, call your financial institution to find out why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.
You Can Fight Identity Theft - Here's How:
Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the internet if you did not initiate the contact.
Never click on the link provided in an email you believe is fraudulent. It may contain a virus that can contaminate your computer.
Do not be intimidated by an email or caller who suggests dire consequences if you do not immediately provide or verify financial information.
If you believe the contact is legitimate, go to the company's Web site by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the email.
If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.
Report suspicious emails or calls to the Federal Trade Commission through the Internet or by calling 1-877-IDTHEFT.
Contact Stockman Bank immediately and alert us of the situation. If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:
P.O. Box 740241
Atlanta, GA 30374-0241
P.O. Box 9532
Allen, TX 75013
P.O. Box 6790
Fullerton, CA 92634-6790
Report all suspicious contacts to the Federal Trade Commission through the Internet or by calling 1-877-IDTHEFT.
Internet Crime Complaint Center - a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA).
Spyware and Viruses
Spyware and viruses are both malicious programs that are loaded onto your computer without your knowledge. Whether the goal of these programs is to capture or destroy information, to ruin the performance of your computer, or to bombard you with advertising, you don't want them.
Viruses spread by infecting computers and then replicating. Spyware disguises itself as a legitimate application and embeds itself into your computer, to monitor your activity and collect information.
Pop-ups are the advertisements that "pop up" in a separate browser window. When you click on some of these pop-ups, it's possible that you're also downloading "spyware" or "adware."
Criminals often create pop-up ads that look like they come from a respected financial institution and ask you to enter personal financial information, but most reputable businesses will never ask you to verify personal financial information online.
For more information on online safety, Click Here.
Stockman Bank is proud to deliver the highest level of security for our eBank and eBiz customers. To learn more about our enhanced security features, we have provided the most Commonly Asked Questions and Answers along with an overview of the eSecure Enrollment Process.
What is eSecure?
eSecure is an additional layer of security in our login process. It helps ensure that your information is secure, protecting you from fraud and identity theft.
How does eSecure work?
eSecure verifies your identity in two ways.
Every time you log in to eBank or eBiz:
It lets you identify Stockman Bank by viewing your personal image and image description, and
Stockman Bank identifies you by identifying your registered computer or by using challenge questions.
Why do we need eSecure?
With eSecure, we're adding another layer of security to protect your information and your online bank accounts. eSecure also guards against ever-increasing email scams called phishing and pharming.
Has my password changed?
No. You can still use your current password for logging in to eBank or eBiz.
How do I enroll for eSecure?
You will automatically be prompted to the enrollment screen when logging in to eBank or eBiz. eSecure is very easy to use. Just follow the instructions provided to learn how to activate and how to log in to eBank or eBiz.
If someone steals my Password, will eSecure prevent them from accessing my account?
If an unauthorized person tries to log in to your account from another computer, they will be asked one of your challenge questions. Without this additional personal information, they will not be able to log in to your account. However, if an unauthorized person tries to login to a registered computer using your password, they will have access to your accounts. Your password still needs to be secure and confidential, even with eSecure.
What keeps someone from stealing my eSecure image and pass phrase?
Your eSecure image and pass phrase automatically appear only if you log in from a computer we already recognize as yours.
If you log in from a different computer, we will ask one of your challenge questions before showing the image.
How do I know I'm at the valid Stockman Bank eBank or eBiz site?
Your secret eSecure image and text phrase will appear confirming that you're at Stockman Bank's legitimate web site.
How do you know that I'm logging in from my own computer?
When you enroll, eSecure uses a cookie to identify your computer. A cookie is a piece of information either stored temporarily in your browser's memory space (session cookie) or placed on your computer's hard drive (stored cookie).
Then, each time you log in, our software is able to identify your computer, your IP address, and other unique identifiers. The cookie is secure and does not contain any personal information.
If I delete cookies, will I have to register the computer again?
Not necessarily. If you have Adobe® Flash® Player installed on your computer, we will use Flash shared objects to identify your computer in the event that we can't identify your cookies. By using Flash shared objects as a backup method for recognizing you as a valid user, we ensure that your log in experience is as quick and convenient as possible.
Can I access Internet banking from multiple computers?
Yes, you can access Internet banking from any number of computers.
If you log in from a computer that you haven't used for Internet banking before, you just need to answer one of your challenge questions to verify that it's you.
You can register as many PCs as you like.
I share my computer with someone who also uses eBank or eBiz. Can both of us still log in from this computer?
Yes. There's no limit to how many people can log in to eBank or eBiz from the same computer. Remember not to share your User ID, Password or answers to your challenge questions.
Can I change my eSecure image, text phrase and challenge questions?
Yes, after logging in, select OPTIONS MENU, then CHANGE SECURITY DATA.
SAFETY TIP: Stockman Bank will never ask you to change your eSecure information, and we will never change it for you.
Is there a fee for using the eSecure service?
eSecure is FREE. It's just one more way Stockman Bank is working to safeguard your privacy and security!
After you select the logon to online banking, you will enter your Stockman Bank eBank or eBiz Access ID and password.
Then you will enter and confirm your email address. If your email is already filled in, please confirm that it is correct. Once logged in, you can update your email address by going to Options Menu and then selecting Change Email Address.
Then you will follow these steps:
We've chosen a security image for you to name. Whenever you logon, you'll see your security image - and you'll know you're on the actual Stockman Bank website, not an imposter site. Enter a phrase or word for the image shown. Once logged in, you can choose your own image by clicking on Options Menu and selecting Change Security Data.
These challenge questions will be used as an extra security measure when you log on from a computer other than the one you have identified as a personal computer (see below).
Only register as a "personal computer" those that you frequently use and are not available for public use.