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Security Tips

June 25, 2018
Bank-of-Elk-River-Security-Tips

Online Banking Security

The Bank of Elk River's World Wide Banker system (online banking) is accessed through a Secure Socket Layer (or SSL) connection. Data transmitted to or from The Bank of Elk River's World Wide Banker system is encrypted to protect your privacy. The "https" in the address bar indicates that a secure connection has been made with the server.

When logging into The Bank of Elk River's World Wide Banker system, you will be prompted for a World Wide Banker ID number that is unique to you. Your World Wide Banker password is the key to protecting your personal and financial information; do not share your password with anyone. Changing your password regularly will help ensure the security of all your online accounts as well as the information and money they give you access to. Your password should be a strong password. World Wide Banker passwords need to be a minimum of 10-characters in length and requires a combination of alpha, numeric, uppercase, lowercase and special characters up to 25 digits in length.

Supported Browsers for Online Banking and Bill Pay

For online banking the current and prior major releases of Internet Explorer, Firefox, Safari and Chrome are supported. When a new version is announced as Release to Web (RTW), support will cease on the third-oldest major version. Internet Explorer 8 (IE8) is no longer supported for Online Banking. If you are currently using IE8, please upgrade your browser to a newer version.

Please note that utilizing older browsers may result in disabled functionality or limited access to services.

Download one of the supported browsers now!

Chrome | Firefox | Safari | Internet Explorer

Mobile Banking Security

The Bank of Elk River makes every effort to ensure proper operation for all mobile users on a wide range of devices and operating systems. It will be necessary to increase the minimum system requirements from time to time in order to provide the best possible mobile experience to the maximum number of end users as newer devices and operating systems are adopted by users. Please contact our customer service department at 763.241.8522 or toll free at 1.888.293.2265 for minimum mobile device requirements. Consider the following mobile device security measures:

  • Consider using the screen lock features on your mobile device for added security.
  • Keep your device's operating system and browser up to date with the latest software, antivirus, and security upgrades.
  • Only download apps from your trusted app store.

Protect Your Information

There are a number of ways to help guard against unauthorized use of your account and protect your identity:

  • Your computer can be a goldmine of personal information to an identity thief. Install and update your anti-virus and anti-spyware software frequently. Computer viruses can have damaging effects, including introducing program code that causes your computer to send out files or other stored information.
  • Never open or download attachments from unverified or unknown sources.
  • Use a firewall. The firewall allows you to limit uninvited access to your computer. Without a firewall, hackers can take over your computer and access sensitive information.
  • Choose a good password! Carefully select a password that is hard to guess and never use a word that can be found in the dictionary.
  • Don't share your World Wide Banker password with anyone else. Your password is designated to protect the privacy of your banking information. If you think your password has been compromised, change it immediately and then contact the bank at 763.441.1000.
  • Once you finish your online banking sessions, be sure to log out. If anyone else has access to your computer, clear your browser's cache in order to eliminate copies of web pages that have been stored on your hard drive. Avoid using public Internet access terminals when conducting your online banking.
  • Sign up for eStatements, direct deposit and World Wide Banker Bill Pay for convenient and secure paperless options.

Protect Your Bank Cash & Check Card(s)

Retail data breaches continue to headline the news. With the big data breaches comes a bumper crop of stolen card information that is readily available to purchase by criminals on the black market. While there is not a lot the ordinary consumer can do to eliminate a compromise to their card after a retail data breach, there are a few steps you can take to at least cut down on your risk.

  • As soon as you receive your new card, call to activate it, and sign the back.
  • Review your account statements when you get them. Better yet, sign up for electronic banking to get secure online access to your account day or night. Report any problems or questions, including transactions you think may be unauthorized, right away. Quick action can limit misuse.
  • Set your account up to receive alerts either by email or by text. You can choose the parameters of certain types of transactions you would like to be alerted to with The Bank of Elk River's Text Banking service and enable fraud protection with SMS Guardian Alerts.
  • If your card is lost or stolen, report it right away to 763.441.1000.
  • Protect your card the same as you would cash, checks, or credit cards. No one else should use your card.
  • Keep your PIN a secret. Do not write your PIN on anything in your wallet. Never let a cashier or anyone else enter your PIN for you. Never give debit card information to anyone over the phone unless you initiate the call.
  • Always shield your PIN with your hand to prevent someone from stealing it, especially at an ATM or debit terminal. Be aware of your surroundings before using a terminal.
  • Always keep your debit card in sight when conducting transactions at the checkout.
  • Make sure your debit or ATM transaction is complete and review your receipt before leaving the terminal.
  • Have your card ready when using ATMs. Spend as little time as possible when using ATMs and be aware of any suspicious activity in the area.
  • If anyone follows you after conducting a transaction, go to a crowded, well-lit area and call the police. Keep your cell phone readily available during ATM transactions.

Protect Your Identity

Identity theft occurs when someone uses your personal identifying information, such as your name, Social Security number or debit/credit card number, without your permission, to commit fraud or other crimes. The Federal Trade Commission has online guidance about the steps consumers can take to protect themselves against identity theft. For more information about identity theft, visit the FTC website.

Here are some tips on how you can prevent ID theft:

  • Shred financial documents no longer needed, pre-approved credit offers, receipts and other paperwork that may contain financial and personal information.
  • Retrieve and review your mail promptly. Deposit outgoing mail with checks enclosed in a post office blue collection box or at your local post office instead of an unsecured mailbox.
  • Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your number on a check. Give it out only when absolutely necessary.
  • Limit the identification information and the number of credit and debit cards that you carry to what you’ll actually need.
  • Store your Social Security card, other identification cards, infrequently used credit cards, checks and account statements in a safe and secure location.
  • Keep your purse or wallet in a safe place at work. Never leave your purse or wallet inside your vehicle unattended.
  • Don’t give your personal information on the phone, through the mail or over the internet unless you’ve initiated the contact or you can confirm that the individual and company are legitimate.
  • Review your credit reports frequently to ensure the information is up to date and accurate. Work with the credit reporting agencies to have any inaccurate information removed.
  • Frequently monitor your financial accounts and report any suspected fraudulent transaction immediately.

If you fall victim to identity theft, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files.

Security Procedures to Protect Your Confidential Information

At The Bank of Elk River, we are taking action to ensure your confidential information is being protected. A basic element of safeguarding your confidential information is to guard against unauthorized access or use of this information. The Bank of Elk River maintains physical, electronic and procedural safeguards that comply with federal guidelines to guard your nonpublic personal information against unauthorized access or use. Our employees are subject to code of ethics and other policies that require maintaining the confidentiality of customer information.

The Bank of Elk River will continue to enhance and maintain prudent security standards and procedures to protect against unauthorized access or use of your nonpublic personal information and records.

We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials.

The Bank of Elk River encourages you to help us protect your information and to keep your information accurate. If you think your Bank of Elk River account information could be at risk, or if you believe that any of your information is not accurate, please call us at 763.241.8522 or toll free at 1.888.293.2265.