Security and Information
AFTER HOURS DEBIT CARD ISSUES
AFTER HOURS INTERNET BANKING ISSUES
FIRST DATA: 1-800-246-4128
EMERGENCY AFTER-HOURS EMAIL: firstname.lastname@example.org
IF YOU HAVE LOST YOUR PHONE and/or need to disable mobile banking, you may do so via “Mobile Management” in the user services tab of internet banking.
Safety information for conducting transactions online:
Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeovers and fraudulent electronic fund transfers.
In order to help ensure the security of your online and mobile transactions, we want you to know that:
- We will never email, call, text or otherwise ask you for your user name, password, or other electronic banking credentials. We will also never request confidential and personal information via these formats. If you get an email or phone call requesting such information, you may call (405)263-7215 to verify identity before giving such information.
- You can help protect yourself by implementing alternative risk control processes like:
- Making sure you choose an adequate user name and password that combines lowercase letters, uppercase letters, numbers, and symbols (such as #, @, !, % or &).
- Periodically changing your password (e.g. at least every 90 days)
- Safeguarding your user name and password information
- Never keep your PIN and debit card in the same location. Avoid writing your PIN, if possible.
- Use caution when accessing your account on a public computer or via a public WiFi connection
- Protecting your personal device or computer with a passcode or password
- Update your operating system as recommended
- Making sure you have a firewall in place and anti-virus software installed
- Logging off the system when you’re done conducting business (don’t just close the page)
- Monitoring your account activity on a regular basis
You will never receive a text from The First Bank of Okarche unless you have enrolled in text banking for your specific device and you have initiated the request. All text banking exchanges will come from and be sent to 96865.
If you are enrolled in and choose to use mobile banking, you will be protected by the best security practices and encryption. Our mobile banking application is hosted by First Data and provided to you at no charge. No account data will be stored on your device. The application should automatically update when opened, if necessary. The app will time out after three minutes without use.
If you choose to use Mobile Check Deposit, you must use a supported software and device (iOS 6.0 or higher, iPhone 3G or higher, iPad 2 or higher, Android 2.2 or higher). All checks that are deposited via this service should be retained in a safe place for a minimum of 60 days and then securely destroyed.
In addition to individual security recommendations, we may require owners of commercial accounts to perform their own risk assessment and controls evaluations. For example, make a list of the risks related to online transactions that your business faces including:
- Passwords being written down and left out in the open
- The use of inadequate passwords
- The possibility of internal fraud or theft
- Delays in terminating the rights of former employees
- The lack of dual control or other checks and balances over individual access to online transaction capabilities
An evaluation of controls your business uses may include:
- Using password protected software to house passwords in
- Conducting employee background checks
- Initiating a policy and process to terminate access for former employees
- Segregating duties among two or more people so no one person has too much access or control
- Conducting internal or third party audits of controls
- Using Firewalls to protect from outside intrusion or hackers
Federal regulators provide consumers with some protections for electronic fund transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer’s liability for unauthorized electronic fund transfers.
They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections. These disclosures are also available online (or ask us and we will gladly provide you with a copy).
If you become aware of suspicious account activity, you should immediately contact us at the number listed above, or via the secure messaging feature in internet banking. If you have lost your debit card or believe it is stolen, please contact us or TransFund immediately to prevent further transactions that you could be accountable for. If you receive a suspicious call or email, you may report it to the Federal Trade Commission at www.consumer.gov/idtheft or 1-877-IDTHEFT.