SECURE SIGN ON

What is it?

Secure Sign On (a.k.a. "Strong Authentication" or "Multi-Factor Authentication") refers to systems that require multiple variables to identify users when they access private networks and applications - such as internet banking. These authentication systems use advanced technology, such as the exchange of user (pre)-selected information (such as pictures or confirmation questions), to verify (authenticate) a user's identity. Secure Sign On has been implemented to make banking with us online more safe and secure.

What is First National Bank doing about it?

We have implemented Secure Sign On as part of your login process. This protective feature exists at the login point.  It provides an additional layer of security over the entire internet banking system to protect the different configurations of internet banking used by our customers. All customers utilizing Personal Internet Banking (PIB), Small Business Internet Banking (SBIB), and Business Internet Banking (BIB) have received this service.

What can you do to protect yourself?

In addtition to the protection that Secure Sign On offers, always protect yourself by keeping your login information confidential.   Don't reveal your user ID or password to anyone. When you select a password, always avoid the obvious (for example, your name or nickname, telephone number, date of birth, address, etc.).

Help protect your personal information with strong passwords

More helpful information

PHISHING

What is it?

Phishing (a.k.a. "Spoofing") involves the use of seemingly legitimate email messages and Internet Web sites to deceive consumers into disclosing sensitive information, such as bank account information, Social Security numbers, credit card numbers, passwords, and personal identification numbers (PINs). The perpetrator of the fraudulent email message may use various means to convince the recipient that the message is legitimate and from a trusted source with which the recipient has an established business relationship, such as a bank. Techniques such as a false “from” address or the use of seemingly legitimate bank logos, Web links and graphics may be used to mislead email recipients.

How do I protect myself?

First National Bank of Central Florida's (or any bank's) website should never be accessed from a link provided by a third party. It should only be accessed by typing the Web site name, or "URL", into the Web browser or by using a “book mark” that directs your Web browser to the financial institution's Web site.
First National Bank will not be sending email messages that request confidential information, such as account numbers, passwords, or PINs. Report any such requests to your local branch, or email us.
Financial institutions should maintain current Web site certificates. When you visit a secure Web site, it automatically sends you its certificate, and your browser displays a lock icon on the status bar. Double click on the lock icon to display details of the certificate.
For more information on the red flags and risks of phishing and identity theft, use resources distributed by the Federal Trade Commission (FTC), including the following FTC brochures:

Additional information on "Phishing" or "Spoofing"

What is First National Bank doing about it?

First National Bank's customer education efforts serve to make our valued customers aware that:
- When utilizing any of our online services, always verify the web address (as "www.tomorrowsbanktoday.com)
- We will not solicit personal information via email
- We will never ask for your PIN
- We will not attempt to sell you services online
- "From" addresses in emails can be faked
- Any suspicious activities should be emailed to us

ALSO NOTE TERM: "SMISHING" (Phishing attacks that use SMS (text messaging) as a means to distribute the fraud attempt.)

IDENTITY THEFT

What is it?

Your identity and personal information are valuable. Identity Theft occurs when a criminal finds out your personal details and uses them to open bank accounts and get credit cards, loans, state benefits and documents such as passports and driving licenses in your name.

What is First National Bank doing about it?

At First National Bank, all Internet Banking transactions are managed via a secure server, which is separate from the web server that hosts our Internet site. This adds another layer of security to protect your information and accounts. Your secure connection to our online services is protected by a firewall and an intrusion prevention system, which regulates all the information going between First National and the Internet, and is intended to prevent entry by anyone without proper authority.

All online transactions are protected from unauthorized access by a method called encryption. Encryption is a technique of coding information using random mathematical keys so that it can't be read by unauthorized individuals. New keys are created each time you log in to your account and are destroyed when you log out. We use strong, industry-leading 128-bit SSL encryption. As such, to be able to log in, you will need a browser that supports 128-bit encryption (see link below):

Verify your browser's security

What can you do to protect yourself?

• Protect your Social Security number. Don't carry your Social Security card or other cards that show your SSN. Read, “Identity Theft and Your Social Security Number,” (http://www.ssa.gov/pubs/10064.html)

• Don't give out personal information over the phone, through the mail or on the Internet unless you know who you're dealing with and preferably only if you've initiated the contact. As a general rule, never give out your Social Security or driver's license numbers.

• Ask questions whenever you are asked for personal information that seems inappropriate for the transaction. Ask how the information will be used and if it will be shared. Ask how it will be protected. If you're not satisfied with the answers, don't give your personal information. But, if you must share personal information—confirm that you are dealing with a legitimate organization.

• Remember: Banks will not ask you to verify your personal account information over the phone or via e-mail. They already have that on file. If you receive a phone call or e-mail asking you to verify such information, don't respond. Instead, contact the bank directly.
  
• Don't leave sensitive documents containing personal information where people can see it. Shred or destroy papers containing your personal information, including credit card offers and convenience checks that you don't use.

• Retrieve your postal mail promptly, and discontinue delivery while you're out of town. Whenever possible, mail bills from your post office, not your mail box. Stop or reduce junk mail or unsolicited credit card offers by visiting the National Credit Bureau's opt out Web site at: www.optoutprescreen.com or call them at (888) 567-8688.

• Check your bills and bank statements. Open your credit card bills and bank statements right away. Check carefully for any unauthorized charges or withdrawals and report them immediately. Call if bills don't arrive on time—it may mean that someone has changed contact information to hide fraudulent charges.

• Check your credit reports. Review your credit report at least once a year. Check for changed addresses and fraudulent charges. To find out more about credit reports, your rights as a consumer, access the Fair Credit Reporting Act and the FACT Act at www.ftc.gov/credit.

• Protect your computer. Protect personal information on your computer by following good security practices. Use strong passwords that are hard to guess. Use firewall, anti-virus and anti-spyware software that you update regularly. Download software only from sites you know and trust and only after reading all the terms and conditions. Don't click on links in pop-up windows or in spam e-mail.

• Before you get rid of an old computer, make sure you destroy the information on the hard drive. Often that means destroying the drive itself because erasing data doesn't completely eliminate it. Otherwise look for software tools that will completely wipe data from the hard drive.

• Use caution when shopping online, check out a Web site before entering your credit card number or other personal information. Read the privacy policy and take opportunities to opt out of information sharing. Only enter personal information on secure Web pages that encrypt your data in transit. You can often tell if a page is secure if “https” is in the URL or if there is a padlock icon on the browser window. Consumer protections under the federal Fair Credit Billing Act apply to Internet credit card purchases. Keep records of the purchase.

Taking Charge: Fighting Back Against Identity Theft

Credit Reports and Reporting Agencies

VIRUSES, WORMS & TROJAN HORSES

What is it?

Computer viruses are software programs deliberately designed to interfere with computer operation, record, corrupt, or delete data, or spread themselves to other computers and throughout the Internet, often slowing things down and causing other problems in the process.

Computer Worms are viruses that reside in the active memory of a computer and duplicate themselves. They may send copies of themselves to other computers, such as through email or Internet Relay Chat (IRC).

A Trojan horse program is a malicious program that pretends to be a benign application; a Trojan horse program purposefully does something the user does not expect. Trojans are not viruses since they do not replicate, but Trojan horse programs can be just as destructive.

What is First National Bank doing about it?

As technology changes and new viruses and other threats emerge, we use services that regularly report on any potential vulnerabilites. This allows us to take immediate action to ensure our high levels of safety are maintained.

What can you do to protect yourself?

Always protect your computer by ensuring you have an anti-virus program installed. It's important to update it regularly. Most anti-virus programs offer automatic updates to help ensure you are always up-to-date. Viruses can damage your computer, cause loss of files, and some viruses can capture information from your computer and share it.

Remember: Do NOT open attachments to emails unless you trust the person or organization that sent you the email. Ensure your anti-virus program automatically scans your email attachments for viruses.

Latest Threats, Risks, and Vulernabilities

More About Viruses and Online Risks

FIREWALLS

What is it?

A firewall is simply a program or hardware device that filters the information coming through the Internet connection into your private network or computer system. If an incoming packet of information is flagged by the firewall's filters, it is not allowed through.

What is First National Bank doing about it?

Our Internet Banking systems are protected from fraud through intrusion detection and prevention systems, multiple firewalls, secured sessions, network and application access controls, and a three-tier architecture. Our internet banking sessions times out after specified periods of non-use.  Regardless of our steps to insure the integrity of our systems, you should impement a firewall on your personal computer (see "What can you do to protect yourself?" below).

What can you do to protect yourself?

To protect yourself from hacker attacks, you should install a firewall. In effect, a firewall shuts your computer's door to hackers, allowing only authorized traffic to flow through. Antivirus software protects you from known viruses and can help clean up after a virus attack. But only a firewall can block unauthorized access to your Internet-connected computer and protect against both known and unknown malicious software and Internet threats. At the same time, a firewall allows your computer complete, unrestricted access to the Internet.

Why You Need a PC Firewall

  
      FNB's Privacy Policy