Credit Card Access • Home
Online banking has grown rapidly from a niche service to a major new way to bank. In fact, some surveys show that far more people prefer to bank online than in the traditional ways. This phenomenal growth was made possible by increases in technology, of course, but even more so by increases in the safety and security measures undertaken by banks and their customers. This partnership for safe online banking means that you can access your account whenever and wherever you want. But care should be taken because cyber criminals are always looking for new ways to electronically break into the bank and steal your money.
Safe online banking depends on continuing and strengthening this safe online partnership:
Banks Invest Substantially in Security Technology and Training
Lawmakers, regulators and the banking industry have forged substantive standards for safeguarding customers’ “nonpublic personal information.” Security programs developed from these standards are designed to
Uniform examination procedures are in place to monitor and enforce these standards, and bank examiners regularly go on-site to assess how bank security measures are being implemented, understanding that each bank has a different menu of products and services, and therefore differing security requirements. For example, a federal regulator will typically review a bank’s internal controls and policies, with a view to establishing whether the institution considered the following controls, and adopted those it considered appropriate:
Banks Partner With You, the Customer
Your bank has security measures to protect your account information, but they can’t be effective without your help and cooperation. After all, the gold in Fort Knox won’t be safe if someone leaves the back door open! And that’s an analogy that works for your computer—many account hijacking attempts come as a result of hacking into individual user accounts, and from there electronically breaking into the bank using your information and security codes!
Some common sense and easily implemented precautions can help you safeguard your personal information from identity theft and account fraud:
Understanding what criminals are trying to do over the Internet is the first step to a good defense.
Most electronic fraud falls into one of three categories. Experts advise: understand these to understand how best to protect yourself.
Some bank security experts now recommend that businesses use a dedicated computer for online transactions. This advice can be weighed against the convenience and cost savings of having access to online banking, versus time spent on the phone or traveling to and from a bank to conduct your business, say these experts. Several guidelines for businesses might also work well for you, too:
For lost/stolen debit cards: 1-800-500-1044
Connect With Us
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving Liberty First Bank's website and linking to a third party site. Please be advised that you will then link to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Liberty First Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Liberty First Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.