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Security Tips

Awareness is your best defense against internet scams. The information below offers a brief overview of several safety tips to be aware of as you transact business on the internet. It is not inclusive and new scams are introduced frequently, so we encourage you to continue your research with the links provided.

 

Online Security

There are several effective security techniques that we encourage you to keep in mind when using our online banking:

  1. Never reveal your password to anyone. Never leave your password anywhere someone else can obtain and/or use it.
  2. Change your password on a regular basis.
  3. Use the 'Sign Off' button when you have completed your online banking session. Do not use your browsers back button/arrow to exit your online banking sessions.
  4. Within 'User Options' choose 'Login Security'. You can change your challenge questions and select extra login security. ONLY use this option for your personal home or office computer. Do not choose this option if using a public computer or a computer with multiple users.
  5. Balance your account on a regular basis. Online banking makes it easy! The following websites contain additional online security tips:

    http://onguardonline.gov/

    http://www.dhs.gov/files/events/stop-think-connect.shtm

Identity Theft

You can avoid becoming a victim by understanding and following these tips.

  • Do not provide your detailed personal, financial or credit card information to an unsolicited telephone call, fax, letter, or e-mail.
  • Avoid having your social security number or driver’s license numbers pre-printed on your checks.
  • Be careful of who you give your social security number, passwords or PIN (Personal Identification Number) to. Do not give this information to any e-mail requests. Financial institutions do not verify personal information via the internet.
  • Watch out for people who may be trying to listen to personal information you are giving out.
  • When creating your PIN and/or passwords, avoid using the last digits of your social security number, your birth date or that of a close family member, wedding anniversary dates or maiden names. These items are easy for thieves to discover.
  • Destroy all ATM, bank and credit card receipts. This includes all old credit cards and pre-approved credit card mail items. It’s not unlikely for thieves to pick through your garbage to obtain personal information.
  • Have your name removed from direct marketing lists to reduce your personal information that’s available and to cut down the number of credit offers received.
  • Mail your bill payments from the Post Office. Items are more easily stolen from your home mailbox.
  • Review all account statements on a regular basis and your credit report annually to monitor any suspicious activity.

Should you have any reason to believe that you have provided information through an unauthorized solicitation, contact a Bank representative immediately. You should also contact the three major credit bureaus to request a fraud alert be placed on your credit report.

Equifax 1-888-766-0008 http://www.equifax.com/answers/en_efx

Experian 1-888-397-3742 https://www.experian.com/fraud/center.html

TransUnion
1-800-680-7289 http://www.transunion.com/personal-credit/credit-disputes/fraud-alerts.page

Additional information on how to protect your privacy can be found at
https://www.fbi.gov/investigate/white-collar-crime/identity-theft

Fradulent Cashier's Checks

Cashier's Checks claim to be just as good as cash. However, with today's sophisticated technology, criminals have the tools at their fingertips to create fake checks and steal your money. You can avoid becoming a victim by understanding and following these tips.

  • Be comfortable that the individual(s) or business that you are dealing with is legitimate and trustworthy.
  • Do not accept third party checks.
  • When selling items over the internet, ask that the cashier's check be drawn on a bank local to you.
  • Verify with the financial institution from which the check is drawn, that the check is legitimate. Items to verify include the routing number, the account number and the amount the check is written for. The name of the bank, which appears on the cashiers check, is not the responsible party for recovering the money should the check be counterfeit, you are.
  • When verifying information, use a local or nationwide directory to obtain the phone number. Do not use the phone number on the check itself.
  • Exercise extreme caution if you receive a cashier's check in excess of the sale amount and are then instructed to wire the remaining funds back to the buyer or third party.
  • Funds from a cashier's check may be made available quickly. However, just because you can withdraw the funds, does not mean the check is valid. It may take several weeks for your financial institution to discover that the check is no good.
  • Cashier's checks are not as good as cash. It does not make a difference whether you cash or deposit the check, it can be returned and you will be held liable.

Should you have any reason to suspect a cashier's check in your possession, contact a Bank representative immediately.

Additional information on current scams can be found at http://www.fbi.gov/scams-safety/fraud/internet_fraud.

Phishing

Phishing is a common internet scam, which typically involves an email or text message request that urges you to update your account information immediately. Often times the email or text will have a direct link to a web page for you to confirm information such as account numbers, social security numbers and other confidential information. Some of your personal information may already be filled in thus making the request seem legitimate. You can avoid becoming a victim by understanding and following these tips.

  • Never provide your detailed personal or financial information to an unsolicited telephone call, fax, letter, email or text message.
  • Do not give your password to an unsolicited request. Financial institutions do not verify this information via the internet.
  • Use SPAM filters to help reduce the number of fraudulent emails received • Do not be fooled by the financial institution’s logos or links to their web page being present in an email. It is very easy for thieves to create links to legitimate web sites.
  • If you believe that the request is legitimate, contact the institution looking for the information directly. Use a local or nationwide directory to obtain the phone number. Do not use the number given on the initial request.
  • Review all account statements on a regular basis to monitor any suspicious activity.

Please Note: Rhinebeck Bank will never send you an unsolicited email notification or text message requesting your user name, password or other personal information for any reason.

Never respond to emails or texts requesting personal information or “updates” to your account. Some emails provide links to fake or “phisher” websites that look like legitimate companies, but are actually links to fraudulent sites designed to steal your personal information.

The best protection against these scams is not to respond to any email or text asking for personal or account information.

Should you have any reason to believe that you have provided information through an unauthorized solicitation, immediately contact our Customer Solutions Center at 845-454-8555, option 3. You should also contact the three major credit bureaus to request a fraud alert be placed on your credit report.

Equifax 1-888-766-0008 http://www.equifax.com/answers/en_efx

Experian 1-888-397-3742 https://www.experian.com/fraud/center.html

TransUnion 1-800-680-7289 http://www.transunion.com/personal-credit/credit-disputes/fraud-alerts.page

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