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In addition to technology deployed by bankESB to ensure customer safety, Users should utilize these additional security guidelines:
Web browsers will encrypt text automatically when connected to a secure server, evidenced by an address beginning with https. The server decrypts the text upon its arrival. This process protects against anyone "listening in." They would only see unreadable gibberish. bankESB deploys https in all areas where private information is input or accessed.
The number and sophistication of fraudulent activity will continue to increase. As a general rule you should be very careful about giving out your personal information over the Internet.
Phishing is a type of fraud. The term "phishing" (pronounced fishing) refers to a scam that tries to obtain and use an individual’s personal or financial information in a fraudulent manner. Generally a person will experience the following process from a fraudster conducting a phishing scam:
Your User Name and Password can be compromised in a variety of ways, by responding to a phishing e-mail, via a keylogger or Trojan horse virus that was installed on your PC through a fraudulent e-mail or by someone with whom you may have shared your User Name and Password. Your User Name and Password are critical components of securing your data therefore to protect them from being compromised you should never share them with anyone or write them down.
Keylogger access is often downloaded inadvertently by users clicking on links in fraudulent e-mails and poses a dangerous threat to user privacy. A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this data into a file or transfers it via the Internet to a pre-determined remote location. It also can capture screenshots of the user activity, log-in passwords, record online chat conversations or take different actions in order to find out what a user is doing.
Trojan horse programs (including Remote Access Trojans or RATS) can be hidden in games, videos, music files or programs downloaded from the Internet or e-mail. The download installs a malicious program on the target's computer. Many anti-virus programs will detect and remove Trojan horse programs, but must be regularly updated to be effective.
bankESB provides other security services to assist in your personal information protection. These services include ID Theft 911 and FraudWatch Plus. For further information on either of these services please visit the bankESB Security Center at bankesb.com.
ESB’s provides layers of security protection by deploying the following functionality in online banking:
ESB deploys a risk and fraud analytics program which monitors online banking behavior and identifies transaction irregularities. This service provides the opportunity to identify and provide a quicker response to attempts to commit fraudulent activity.
Mobile banking is a fast and convenient way to access account information and make transfers on the go. Mobile devices are however often easily lost or stolen. To ensure the protection of your information some functionality is not available in the mobile banking environment such as:
It is also important to note that there is no data stored on your mobile device aside from a cookie that holds information on the device itself.
Encryption refers to complex algorithmic schemes that encode plain text into non-readable form or cyphertext. The receiver of the encrypted text uses a "key" to decrypt the message, returning it to its original plain text form. The key is the trigger mechanism to the algorithm, all communication from you to the system, and from the system to you, is encrypted using a maximum of 128 bits which is the current standard for encryption.
No. Regular e-mail is not secure. Never e-mail personal financial information such as account numbers or your Social Security number.
No. bankESB will never ask for your PIN or password. We have implemented alternative methods of verifying your identity.
Yes bankESB uses https for any secure areas on its website and for online banking and online account services.
Here are some tips and general good practices for banking on your mobile device:
If you suspect that your accounts have been compromised report the incident right away by calling an bankESB Representative at 855-527-4111. You may also contact bankESB’s Identity Theft 911 Services at 1-877-432-7463 if you are a subscriber.
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