How safe are you online?

August 11th, 2011 madmin

Online banking makes managing money convenient for millions of American households. With a few clicks of a mouse, you can check deposits and pay bills, which helps save you time and gives you more control over your finances.

MidWestOne Bank uses a combination of safeguards to protect your information online. These efforts include employee training, strict privacy policies, rigorous security standards, encryption of information and fraud detection programs and procedures.

However, you too play an important role in protecting financial information online. Here’s what you can do to enhance your online security:

Use a strong password.

At MidWestOne Bank, we recommend you use a combination of letters, numbers, special characters, and capitalization. Also, stay away from easily-guessed passwords, such as birthdays or home addresses.

Keep it to yourself.

Don’t share your password or any personal information online with any person or company you do not know. Remember a bank won’t ask for your personal information via email.

Avoid fraudulent websites.

To help ensure the website you have visited is authentic and secure look for a lock icon on the browser’s status bar or a website URL that begins “https:” (the “s” stands for “secure”).

Use anti-spyware.

Install and periodically update virus protection software that detects and blocks “spyware” — programs that can give criminals access to your computer.

Be wary of email.

Do not share sensitive information via email. If you receive an unscheduled or unsolicited email claiming to be from your bank, proceed with caution. Check with your bank to make sure it’s legitimate. Remember, your bank, Internet Service Provider or other service providers will never ask for your passwords or account information.

Monitor your account.

Check your balances online frequently to spot any fraudulent activity. If something has happened, take action immediately by contacting your bank and reporting the breach of security.

Log off.

Remember to sign off your bank’s secured area when you have finished online banking.

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