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The upward trend of customers using online channels for banking and financial services has expanded the opportunities for criminals and cyber-crime.
The threat is real and in most cases attacks are very sophisticated. Cyber criminals using malware, keystroke loggers and/or Trojan viruses have the ability to capture customer information such as Login credentials and MFA challenge questions/answers. They can also high-jack the user’s computer using their IP address so that the criminal will appear to be the end-user. Some of the most common approaches for the criminals to compromise end user data are to take advantage of end users visiting unsecured networks or compromised websites, not having up to date virus protection and security patches or opening attachments with embedded malware or Trojan software.
Due to the sophisticated nature of this crime, there is not one single solution or silver bullet for online security. The best approach for online security is a multi-layered approach.
Recommended Security Settings on Your System(s)
Regardless of the security practices of The Bank of Missouri, your ultimate internet experience and security is going to begin at your local computer system and network. The old theory of "you're only as strong as your weakest link" holds true.
Some security recommendations (regardless of the complexity of your computer or network setup) would be:
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Install and keep updated an antivirus application. Confirm that antivirus definition files are kept up to date and that regular scans are being run on your system.
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Backup your important data and files regularly.
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We recommend following the rule of giving the least privileges necessary when assigning roles and responsibilities to security administrators and concerning who has access to your internet banking login information.
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Pay special attention to security on your local computer. Watch for any changes in user rights and other suspicious activity.
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We recommend customers closely monitor and limit remote and physical access to their systems. Do not allow unknown individuals or third parties to access your computer at any time.
In addition to the above items, here are some recommendations in regards to email, telephone solicitation and internet usage:
- Never respond to or open internet links or attachments in unsolicited emails.
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Keep your passwords and user IDs safe and secure. (Note: The Bank of Missouri would NEVER request your passwords via email).
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If you are a secure token (GoID) user, do not disclose your token serial number to anyone.
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Don't send personal or financial information (SS#s, credit card numbers and bank account numbers) via email.
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Avoid suspicious emails. DO NOT provide user names or other credentials to anyone without verifying that person’s identity and authority. DO NOT reply to email or phone-based requests for credentials and report any such attempts to the Bank.
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Don't send personal or financial information over unsecure websites.
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You should log out of your workstation's operating system when you leave or lock your computer to prevent unauthorized access to your data and information.
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If using a public computer, be sure to log out of your internet sessions and close the browser and clear your browser cache.
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Don't send personal or financial information over unsecure websites. A website is (reasonably) secure if the url begins with https:// and if there is a locked padlock in the bottom right corner of the browser window. This means the data is encrypted after you send it until it reaches its destination.
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Select a strong password and do not disclose your password or Internet banking ID to anyone.
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Increase your focus on security on social media applications such as Facebook and Twitter.
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