Customer Awareness program
We always work with the local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible.
We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it.
Immediately report any suspicious emails or websites to HNB First Bank by forwarding the message to [email protected].
If you suspect identity theft or have any questions regarding this notice, please contact HNB First Bank at (334) 693-3352.
Regulation E: Electronic Fund Transfers
This law is designed to protect consumers making electronic fund transfers. The term “electronic fund transfer” (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or debit a consumer’s asset account.
The Electronic Fund Transfer Act (also known as Regulation E) was issued by the Board of Governor of the Federal Reserve System and adopted in 1978 as an add-on to the Consumer Credit Protection Act. The law and regulation establish basic rights, liabilities, and responsibilities of consumers who use EFT services and of financial institutions that offer these services.
Business/Commercial Clients are not covered by Regulation E. It is important for business customers to implement some of the sound security practices suggested in this program within their place of business to reduce the risk of fraud and unauthorized transactions from occurring.
Corporate account takeover is a form of identity theft in which criminals steal your valid online banking credentials. The attacks are usually stealthy and quiet. Malware introduced onto your systems may go undetected for weeks or months. Account-draining transfers using stolen credentials may happen at any time and may go unnoticed depending on the frequency of your account monitoring effort
General Information
Personal Computers
• Always sign out or log off
• Update software frequently and keep systems current
• Use a current version of Antivirus software
• Virus software definitions should be updated daily
• Install and activate a personal firewall
• Keep your operating system current
• Activate the automatic update feature
• Set your browser’s security level to the default setting or higher
Best Practices
• Keep your personal information private and secure
• Check your account balance regularly
• Do not access your account from a public location
• If you suspect suspicious activity, take swift action
• Be skeptical of email messages, for example, from someone unlikely to send an email such as the IRS
• Do not open the suspicious emails and do not click on the links
Websites
• Check your credit report
• Pay using credit cards
• Shred bank account, credit card, medical and other statements with personal information
• Never click on suspicious links
• Only give sensitive information to websites using encryption, verified through the web address that starts with https:// (the “s” is for Secure)
• Use social media wisely and don’t reveal too much
Mobile Devices
• Use Passcodes
• Avoid storing sensitive information
• Keep software up-to-date
• Install remote wipe if the device is lost or stolen
ATM Safety
• Protect your ATM card and PIN.
• If ATM Card is lost, report as soon as possible
• Choose a PIN different from your address, telephone#, or birthdate
• Be aware of people and your surroundings
• Put away your card and cash
• Observe the card reader; if it looks suspicious or damaged don’t use it. A skimming device may be attached that can read the magnetic strip and obtain all the information stored on it.
As new and emerging threats are reported, HNB First Bank may update/modify this document.
HNB First Bank may also use statement mailers with information on ways to protect your information.
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Send a Message
Have a question about protecting your bank acount? Please use the form to send us a secure message and a bank representative will be in contact soon. To speak with a representative of HNB First Bank directly, please call 334-693-3352 or toll free 1-866-693-3352 during banking hours.