FIRSTBANK PUTS PROTECTING YOU FIRST
How you can be our first line of defense.
Nothing can replace your vigilance in monitoring your own accounts through paying attention to bank statements and/or online banking for unauthorized transactions. Those are clearly the best ways to protect yourself and detect unauthorized activity (i.e., stolen checks, unauthorized withdrawals, unauthorized card activity, etc.) on your FirstBank accounts. Reporting any suspicious or unauthorized activity on your accounts in a timely manner to a FirstBank branch is critical in protecting your business and personal banking accounts.
However, nothing is more important to FirstBank than you – our customer. We take your security very seriously. These are some of the safeguards we’ve undertaken to better protect you.
Online Banking Protections
User ID & Password are required to validate and confirm your identity. FirstBank customers should never share their login credentials with anyone and should never provide this sensitive information to anyone over the phone or through an email request. FirstBank will never place unsolicited calls or send unsolicited emails asking you to provide your login credentials. Do not save your login credentials in your browser or elsewhere.
Challenge Questions are asked to help validate and confirm your identity as necessary before access is granted.
Timeout Feature – Your online session will end automatically after an extended period of inactivity. The best advice is to always sign-off and close the browser when your online session is complete.
Encryption – 256 bit encryption is used to help protect and scramble the content of your online session.
Your Account Activity Monitoring – Provides you with the control to continually monitor all activity on your business and personal banking accounts for any unauthorized transactions.
Protecting Your Checks, Debit Cards, and Credit Cards
Closely monitor your accounts using Online Banking and immediately review your bank statements for unauthorized transactions.
Fraud Monitoring with FB Alerts
When you bank with us, you’re putting your trust in us to protect your money. That’s why we are serious about security and fraud protection. Debit card fraud can happen which is why our new FB Alerts were designed to quickly detect and alert you of unusual activity on your card.
FirstBank’s FB Alerts utilize text, email and phone calls to contact you if suspicious activity is detected on your card. If we can’t reach you by text, we will email or call you. So please log into online banking and make sure your contact information is up to date! FB Alerts are the quick and easy way to catch signs of fraud and start as soon as you activate your card.
Card Security Help Line
Visit or call your FirstBank branch immediately. You may also call 1-800-413-4211 during normal business hours. You may also report your debit card lost or stolen 24 hours a day by calling 1-866-342-5178.
Card Security Code (CVV – “Card Verification Value” number)
A three-digit security code that is on the back of your FirstBank debit card that helps merchants ensure that you are in possession of your card when making online purchases.
A personal information number used to help protect you when making ATM withdrawals or conducting point-of-sale transactions. You should always avoid a PIN that is easy to identify (avoid dates of birth, phone numbers, etc.). You should never give your PIN to anyone and never write your PIN on your card or leave it in your purse or wallet.
Set up Mobile Alerts
If you want to receive alerts via your mobile phone, you can also enable this service under Other Services in Online Banking. You can enable or disable the types of alerts you’d like to receive. For example, if there is an Online Banking Login Error under your account, we can alert you. Or if your balance falls below a specific amount or if a transaction exceeds a certain amount. It’s easy to set up when you want to be alerted.
Usernames, Passwords and PINs:
- When creating passwords and PINs (Personal Identification Numbers), avoid using information that is easily guessed.
- On many sites, you may also be able to strengthen your security by choosing a username that is unique and difficult to guess.
- Don’t share your passwords or PINs with anyone.
- Don’t keep written notes containing your passwords or PINs in your purse / wallet or in your home, office, or vehicle.
- Choose strong passwords that are at least eight characters long and contain a combination of numbers, symbols, upper and lower case letters.
- Don’t repeatedly use the same password/PIN or set of passwords/PINs on a site after a password expires.
- Don’t use the same password/PIN across multiple sites.
Rights, Responsibilities and Liability
The section titled “Your Rights and Responsibilities” in the Electronic Funds Transfer agreement of your account disclosure statement describes your rights, responsibilities and liabilities applicable under banking law with respect to your check card, online banking and electronic funds transactions. Please read this section carefully.
Branch Services and Protections
FirstBank branches can assist you with filing a fraud claim and/or in providing guidance to help protect you if you suspect that your bank account information has potentially been compromised.
Business and Commercial Account Protections
FirstBank recommends that all business and commercial customers periodically perform a risk assessment and controls evaluation on their own information systems and accounting practices.
FirstBank Positive Pay Services help detect check fraud by matching checks presented for payment against the company issued check file (checks written).
ACH Block and/or Fraud Filter Protection
Blocks all ACH transactions or allows our business customers to select companies they authorize to debit their account.
If you have questions about online security or need help, we’ve got you covered. To report a lost or stolen card, unauthorized checks or ACH electronic transactions or to report suspicious emails or scams, call 1-800-413-4211 during normal business hours or 1-866-342-5178 24/7. You can also email us at firstname.lastname@example.org or stop by your local FirstBank branch.
FB Alerts, our new debit card fraud alert system, keep an eye on your transactions. If we see something unusual, we will ask you to confirm the purchase. You get a text asking if you made the purchase. You reply with a text back. It’s simple, quick and easy.