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How to Protect Your Confidential Information

Recommendations to help you protect your personal and financial information

ATM Security

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Tips for safe use of ATMs

  • Treat your ATM card like cash. Always keep your card in a safe place and store it in its sleeve.
  • Keep your Personal Identification Number (PIN) a secret. Never disclose your code. Remember, Surrey Bank will never ask for your PIN.
  • Protect your PIN number. When you are entering the PIN, make sure that your hand or body blocks another person’s view of the keypad.
  • Always take your ATM receipt. Don't leave it at or near the ATM.
  • Do not give out any information about your ATM card over the telephone. Report a lost or stolen card at once.  
  • Check your receipts against your monthly statement to guard against ATM fraud.
  • Minimize the time spent at the ATM by having your card out and ready.
  • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lighted area and call the police.
  • Always observe your surroundings before conducting an ATM transaction. If you are driving to an ATM, park as close as possible to the terminal.
  • Have your paperwork completed since a long delay is an invitation to robbery.
  • Never use an ATM in an unlit area at night.
  • When possible, take a companion along when using an ATM, especially at night.
  • Keep your engine running, the doors locked and the windows up at all times when waiting in line at a drive-up ATM.
  • When possible, leave room between cars to allow for a quick exit should it become necessary.
  • Before lowering your window to use the ATM, observe the entire area around the ATM.

Computer Security

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Tips to protect your computer

Here are some basic steps to help you safeguard your home computer:

  • Purchase and install antivirus software, preferably the type that automatically scans for virus updates whenever you go online.
  • Always use the latest version of your security software, web browser, and operating system. Install updates when they become available.
  • Turn on the option that allows your software to update automatically, if applicable.
  • Make sure all web-enabled electronic devices are protected against viruses and malware.
  • Use your security software to scan USBs and other external devices that can be infected by viruses and malware.
  • Don't install an update or an upgrade to any software that you receive via an email.
  • Do not open email attachments or downloaded files without first saving them to your hard disk (C: drive). Your antivirus software should be configured to scan each file when it is saved and when it is opened.
  • Never open email attachments from individuals you do not know. Delete them.
  • Use caution with all email attachments, even if you know the sender. If you have suspicions about a message, contact the sender by telephone and confirm that they did send the message.
  • Do not provide confidential information to anyone online without making sure that the site is encrypted for your protection. If a site is secure, you will see the following indicators:
    • A locked padlock or unbroken key will appear at the bottom of your screen.
    • The website address at the top of your browser screen will change from "http" to "https".
    • You will be required to utilize a User ID and password to gain access to the site.     
  • To learn more about online security, visit the National Cyber Security Alliance

Email Security

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How to protect your email

Please remember that most email transmitted over the Internet is not protected, and may be subject to interception by others. 

For your protection, please do not include your account number, Social Security number, or other confidential information in any emails you send to us in an unsecured email. If you need to provide account information or other confidential data, please login to Online Banking and click the Customer Service tab. Then choose Requests & Messages.  When that screen opens, click the Ask a Question/Send a Message? link in the upper left corner.

Surrey Bank & Trust will never ask for confidential information, such as your Social Security number, User ID, PIN or account number(s) by email. If you receive such an e-mail, please do not respond. Delete it and call (336) 783-3900 immediately. 

Please remember that if we need to send you an email containing confidential information, we will send you a message in Online Banking, call you, or send an encrypted email.

Here are a few suggestions for safe use of email:

1. Use multiple email accounts for different purposes. For example, use one email address when you agree to receive emails from retailers; another for social media logins; and a third for communicating with friends and family. If one email account is hacked, it's easy to see what information might have been compromised and your other emails are still safe.

2. Create a unique password for each email account. If a hacker should learn the password to one account, they won't be able to use that password to access other accounts.

3. Be aware of scams. Reputable companies will never ask for personal information in an email. 

4. Don't click on links and attachments in an email unless you know the sender and are positive that they sent the email. If you have any doubts, please call the sender to verify the email. 

General Security

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General guidelines for protecting your information

  • Never give out information unless you initiated the transaction.
  • Sign your cards upon receipt.
  • If your mailbox is not secure, arrange a different mailing address for bank and credit cards and bank statements. Or, consider having bills and statements sent electronically.
  • Report lost or stolen cards immediately.
  • Review your statements for unauthorized transactions.
  • Memorize your pin; don’t carry it in your wallet.
  • Request your free Annual Credit Report and review carefully.
  • Notify issuer when you plan to cancel a card.
    • Cut through number and magnetic strip
  • Wait for your receipts.
    • Don’t leave receipts in bags or at the checkout.
    • Destroy receipts after you get home
  • Store checks, bank statements and cancelled checks in a safe place.
  • Be careful about the personal information you put in the trash. Shred anything with account numbers, social security numbers, or other identifying information
  • Don’t leave your checkbook or purse unattended. 

Mobile Security

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Tips to keep your mobile devices secure

  • Always use the most recent versions of your mobile operating system, security software, apps and Web browsers to protect against malware, viruses and other online threats.
  • Avoid putting your device down in public places. A brightly colored case or sticker on your device will increase the chances you won’t leave it behind.
  • When using a public, unsecured wireless connection, avoid using apps or websites that require you to enter a password. This applies to the wireless networks provided on many airlines, as well as Wi-Fi connections in places like coffee shops, hotels, airports and libraries.
  • Switch off your Wi-Fi and Bluetooth connections when not in use to help prevent malicious parties from connecting to your device without your knowledge. If you’re banking or shopping, remember, a 3G or 4G connection is safer than an unsecured Wi-Fi connection.
  • Activate key-lock features and/or use a passcode. Use a complex password if your device allows it.
  • Sync your contacts, photos, videos and other mobile device data with another device or cloud service on a weekly basis.
  • Do an Internet search for the best way to add your name and an alternative contact number to your lockscreen, in case a Good Samaritan finds your device. Don’t use highly personal information, such as your home address.
  • Many manufacturers have free apps you can download to help you locate your device in the event it gets lost or stolen.
    These apps often allow you to remotely lock the device or wipe data.
  • Only download apps from reputable sources, like verified app stores. Understand what information (i.e., location, social networking profiles, etc.) the app would access and share before you download.
  • Record your serial number. By dialing these five characters – *#06# – you can access your phone’s unique, 15-digit International Mobile Equipment Identity (IMEI) number. Write this number down and store in a secure location, so you can report it if your phone goes missing.
  • If you have Mobile Banking, be sure to report a lost or stolen device to your financial institution, as well as your mobile carrier. Surrey Bank allows you to deactivate your mobile access by logging in to Online Banking and going to the Mobile Banking Center.

 

Password Security

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Tips for creating and securing passwords

  • Create a “strong” password with at least 8 characters that includes a combination of mixed case letters and numbers.
  • Change your password frequently.
  • Never share your username and password information
  • Avoid using automatic login features that save usernames and passwords
  • Use a unique password for each of your important accounts, such as Online Banking and email
  • Never share your username and password
  • If you must write down your passwords, keep the list in a secret place that isn’t easily visible.
  • Create passwords that aren't real words. For example, substitute numbers for letters or break up a word with numbers or special characters.
  • Avoid using easy-to-guess passwords, such as the names of your spouse, children or pets.

 

Online Security

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Stay safe while using the Internet

Protect your computer against viruses. Here are some basic steps to safeguard your home computer system:

  • Purchase and install antivirus software, preferably software that automatically scans for virus updates whenever you go online.
  • Keep your security software, web browser, and operating system updated with the latest version.
  • If available, turn on the option that allows your software to update automatically.
  • Make sure all of your web-enabled electronic devices are protected against viruses and malware.
  • Use your security software to scan USBs and other external devices that can be infected by viruses and malware.
  • Don't install an update or an upgrade to any software that you receive via an email.
  • Do not open email attachments or downloaded files without first saving them to your hard disk (C: drive). Your antivirus software should be configured to scan each file when it is saved and when it is opened.
  • Never open email attachments from individuals you do not know. Delete them.
  • Use caution with all email attachments, even if you know the sender. If you have suspicions about a message, contact the sender by telephone and confirm that they did send the message.
  • Do not provide confidential information to anyone online without making sure that the site is encrypted for your protection. If a site is secure, you will see the following indicators:
    • A locked padlock or unbroken key will appear at the bottom of your screen.
    • The website address at the top of your browser screen will change from "http" to "https".
    • You will be required to utilize a User ID and password to gain access to the site.     
  • To learn more about online security, visit the National Cyber Security Alliance. 

 

Online Banking Security

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Precautions to protect your Online Banking access

  • For your security, Surrey Bank & Trust requires that you complete an out-of-band authentication process any time you log onto Online Banking from a different computer.  
  • Never give your password to anyone over the phone, regardless of the circumstances. Surrey Bank & Trust will never ask you for your password.
  • Ask your CSR to add a security question to your Online Banking profile that can be used to verify your identity if you should call us with a question.
  • Avoid using public or unsecured computers to access Online Banking.
  • Review account balances and transaction details on a regular basis.
  • Take advantage of the alert features to receive notifications when your password has been changed or payments have been made from your account.
  • Never leave your computer unattended while using Online Banking.
  • Always log off and exit the system when you have completed your session.

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