CommonCents Tools /Online Consumer Tips

Tips for Keeping your Personal Identifiable Information Safe and Secure.

Password Safety Online
At Commonwealth National Bank we strive to keep your personal informationsafe and secure but we need your help. Please do not give your online access credentials to anyone nor share your online access credentials with anyone who is NOT listed on your account. Commonwealth National Bank will never give you a call you; nor send you an email requesting your online banking credentials.

Social Engineering
Crooks & Criminals are wise and use many techniques in order to gain access to your personal details. Social Engineering can be defined in the context of information security, as psychological manipulation of people into performing actions or divulging confidential information. Social Engineering is used to build a trust relationship with the intent to deceive you and coerce you into giving valuable confidential details related to your account or personal identifiable information, such as your birthday, social security number, and address. Fraudsters & criminals will often impersonate Bank employees or other officials in order to gain your trust, and deceive you out of personal information, and then use your information for illegal practices.

Safe Social Networking
Social networking is on the rise, common place, and many see this as a method to keep in contact with friends, family, and reunite with lost connections. Social networking can be a breeding ground to capture your information. Hackers see this as the perfect opportunity to gain valuable confidential and sensitive information on a potential target or fraud victim. When using social networking sites, please do not disclose any personal information about yourself to anyone. Savvy hackers can troll the internet for information about you and piece together enough information to do harm. One rule that can keep you safe while social networking online is to think of it in this manner: if you don’t want the information to appear on a billboard, then don’t post it online!

Avoiding Malware, Trojans, and Spyware
Malware, Trojans, and Spyware are different kinds/types of malicious code or software that is used, with the intent on to diverting your computer’s resources, to be used for a coordinated attack on another computer network system, or it using your computer resources to aid in gaining access to an unauthorized system, and/or obtaining information illegally. To keep your computer safe and secure, please make sure you have Anti-Virus software installed on your computer, which should be and ensure this software is kept current with the most recent updates.

Fraudulent Email
Avoid replying or participating in chain letters, and be extremely cautious of watch those offers’ informing you that you have won the lottery or other bogus awards. Fraudulent emails are becoming harder and harder to spot and more difficult to identify. Please be observant of the sender’s email address and the format of the email. If you question whether an email is authentic, please call the sender to verify if the email was really sent from the sender before sending or replying to an email with any Personally Identifiable Information.

Phishing and Email Scams
Phishing is defined as an act of attempting to acquire information such as usernames, passwords, and credit card details (and sometimes, indirectly, money) by masquerading as a trustworthy entity in an electronic communication.  An email stating that you are the lucky winner of a drawing, lottery, or anything similar might raise your eyebrows and concerns, and you should proceed with extreme caution. Additionally, receiving an email stating a friend is stuck or stranded somewhere and needs funds immediately, with instructions on how to send those funds might not seem as illegitimate; however, all of the above are recent scams and phishing attempts that hackers use to gain access to your personal information. Phishing might sound like something you and your family did on the weekend but it is an assertive attempt by someone to Phish or tries to gain access to your personal information in order to use this information inappropriately.

Mobile Device Security
Many people don’t realize that your smart phone has similar functionality to as a laptop and/or desktop computer system. With that being stated please make sure you have encryption and anti-virus protection software on your mobile devices to ensure your data is not compromised while using these devices. It is also a good practice to setup a confidential pass code for your Mobile devices. The pass code should be changed at least 3 times a year. Also watch out for unintentional accidental access your mobile device that can be caused by leaving your mobile device lying unattended unlocked. This is the perfect situation for criminals to gain access to your personal information and use that information for inappropriate means.

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