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Security For Business
Layered Security and Audit Controls
The best way to protect your account from fraud is by implementing a multi-layered set of security and auditing controls. Our online services have multiple security and monitoring features you can utilize. Our Treasury Management team will discuss each of these options with you when you enroll for the services. For more information on these services, visit the Business section of our website, call 1.844.413.5463 or email us at firstname.lastname@example.org.
Login Username Tips
In order to protect you from fraud, below are a few login username tips...
Use a variety of letters, special characters and numbers
Don't use usernames associated with other websites and apps
- Don't use a first name or last name
- Don't use a dictionary word
To update your username, login into your account, go to settings, then security preferences, then change login ID.
In order to protect you from fraud, below are a few password tips...
Use phrases or sentences as a password like - 'Do you w@nt to build a sn0wman?' or 'My C@t is sp3cial 2 me!'
Don't use a first name or last name
- Don't use a dictionary word
Online and Mobile Banking Security for Businesses and Organizations
- For your computer network.
- Banking online.
- Evaluate the risks to your business.
Mobile Device Protection Tips for Businesses
- Secure access to your mobile devices at all times.
- Never share your mobile device password with anyone.
- Use a good anti-virus software package for your mobile device if available.
- Do not allow the device to save your mobile banking passwords.
Phishing and Social Networking For Businesses
- Ways to identify fraudulent emails, texts and phone calls.
- Social networking tips.
- Additional tips.
Wireless Protection Tips for Businesses
- Use encryption.
- Secure your computer and wireless router.
- Limit access to your network.
For Businesses and Other Organizations
In the past, businesses could protect their accounts from fraud by using traditional accounting controls. In today’s business environment, the simple act of opening an email attachment or visiting a website could introduce malware in to your organization and leave your business the victim of payment fraud.
Businesses all across the United States have suffered large financial losses from a crime called Corporate Account Takeover (CATO). CATO is a form of corporate identity theft where cyber thieves gain control of a business’ bank account by stealing employee passwords, token codes and other valid credentials. Thieves then initiate wire and ACH transactions to move money to accounts utilized by other thieves who often withdraw the funds before the business realizes their funds are stolen. In turn, the thieves’ quick actions to withdrawal the funds may make it impossible for us to help you recover the money stolen from your account.
Protecting your accounts is a partnership. FCB Bank offers multiple security features to protect your accounts, but certain steps must also be performed by your business to ensure the security features function at optimal levels. When performed together as part of a layered security strategy, your activities can be guarded by reasonable security standards.
How can CATO impact your Business?
Criminals use social engineering and phishing to lure employees into clicking links or attachments in emails, clicking on malicious advertising banners on websites, or they may even call your place of business and pose as a trusted vendor to trick employees in to installing malicious software on business computers. The malicious software then captures keystrokes and/or screenshots of employee online banking activity and can take over the employee’s online banking session, allowing the criminal to alter transactions conducted from your online account.
Awareness of how company computers can become infected is crucial. The more knowledgeable you and your staff are, the more prepared you will be to protect your business.
The following sections provide important guidance to protect your account from different forms of scams and fraud. The information provided is intended for your general knowledge only and is not a substitute for a consultation with a cyber-security professional or for obtaining legal advice from an attorney licensed to practice in your jurisdiction. The information is not intended to be all-inclusive and is not an assurance of protection against any form of security breach or fraudulent activity.
Remember, FCB Bank will never:
- Call, email or text you asking for your Online Banking password, Wire PIN, token codes, account numbers or debit card numbers. If you receive such a call, email or text message, do NOT give out any information.
- Direct you to a website that asks you to update your personal account information.
- Send an email to you containing computer software updates.
- Visit your place of business and request to perform maintenance on your computer.
Important: If you receive a phone call, email or text message that you question, please take the time to call and ask us to validate the communication before taking any other action. Do not use the contact information provided in the email or text message that you receive. Use the number advertised on our web site or on the back of your debit/credit card so you know you are speaking to us.