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Online and Mobile Banking Security

Types of Fraud

Understanding the different types of fraud will help you avoid becoming a victim. Stay informed on the latest online fraud threats by reading below:

Phishing
Phishing involves fraudsters who send messages to lure personal information (credit card numbers, bank account information, Social Security number, passwords, or other sensitive information) from unsuspecting victims. Phishing may occur through fraudulent emails, text messages or direct phone calls claiming to be a financial institution or another company you have a customer relationship with and you’ll be asked for your personal information. These types of attacks may also be referred to as SMishing or SMS phishing or Vishing (Voice Phishing).

At no time will you ever receive a call or email from the bank asking you for your login credentials. If you receive a suspicious phone call or email asking you to provide your authentication credentials you should decline to do so and call us at 1-888-307-9565.

For more information about phishing visit the FTC website.


Malware
Malware, short for "malicious software”, includes viruses and spyware installed on your computer, phone, or mobile device without your consent. Malware can be used to steal personal information, send spam, and commit fraud.

For more information about malware visit the OnGuard Online website.


Identity Theft
Identity theft occurs when someone uses your personal identification information, such as your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. The Federal Trade Commission has online guidance about the steps consumers can take to protect themselves against identity theft.

For more information about identity theft, visit the FTC website.


Online and Mobile Banking Security Steps


Step 1: Protect Your Computer

Install and update your anti-virus and anti-spyware software frequently.
Keep your computer’s operating system up-to-date.
Make sure to keep your web browser software up-to-date by installing the most recent version.
If your computer’s operating system has a firewall, enable it.
Step 2: Keep Your Information Secure
If you do not recognize the sender of an email or have any doubts about the authenticity of an email, do not respond and delete it immediately.
Do not open the email or click on links or attachments, especially if they tell you the problem is urgent or the attached file ends in ".exe".
Don't give out personal information. Check a website's privacy policy before you give them your email address.
Always use secure passwords. A secure password consists of upper and lower case letters, numbers and special characters.
Never share your password with anyone.
Do not include personal or sensitive data in, or in response to, an email.
Monitor your account activity closely and watch for unusual activity. You can use Charter One Online Banking, Credit Card Online Services or Business Access to monitor account information 24/7.
When you finish your online and/or mobile banking sessions, be sure to log out.
Do not store financial or personal information on your laptop, phone, or mobile device.
Step 3: Practice Safe Web Browsing
Only allow pop-ups from sites that you authorize.
Do not give out personal information to blogs, forums and other social networking sites.
Only make online purchases using secure sites that encrypt your information. To determine if a site encrypts your information look for the locked padlock icon in the browser and "https:" in the address line.
Never access a website from a link in a suspicious email.
Access online banking sites by typing the address directly into the browser’s address bar.
Step 4: Protect Your Laptop, Phone and/or other Mobile Devices
Be suspicious when installing applications/programs that require you to provide information that has nothing to do with the application’s purpose.
If you use your laptop, phone or other mobile devices to conduct mobile banking, and your device becomes lost or stolen, contact your financial institution and cell phone provider immediately.
Never leave your laptop, phone or other mobile devices logged on and/or unattended in public.
Password protect and lock your laptop, phone or other mobile devices when not in use.
Do not store financial or personal information on your laptop, phone, or mobile device.

Online and Mobile Banking Security



ATM and Card Security



Personal and Account Security



Unauthorized Transactions for Consumers



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