Banking SafelyBanking Safely

PIN and Password Selection and PIN and Password Selection and ProtectionProtection

• Select unique digits (number and letter combinations• DO NOT SELECT your birthdate, telephone number

or other easy to guess combination

• Memorize your PIN and Passwords• Shield the keypad when entering your PIN• Contact us immeditately if you suspect your PIN

and/or card have been compromised

Tips for Fraud Prevention

• Check your monthly statements

• Keep your card in sight at all times

• Report lost or stolen cards immediately

• Never lend your card to ANYONE.

• Contact your wireless carrier if you lose your cellphone.

• Avoid unnecessary “swiping”.

How to Protect Yourself When Banking Online

• Never send confidential information via email.

• Avoid using software that records your passwords

• Install and frequently update proven anti-virus software

• Never download or accept files unless you are confident of their authenticity

• Disable file sharing on your personal computer.

Security Tips for Online and Mobile Banking

• Memorize your passwords

• Always type in the Web address or use your bookmarks to access online banking

• Don not leave your computer unattended while signed on.

• Always sign-out when finished.

• Clear your browsers cache after each on-line session.

Joint Bank Accounts

• Two types of ownership• Joint with right of survivorship• Tenants in common

Joint with right of Survivorship

• Either can give instructions or transact on the account.

• Upon death of one of the account holders the ownership automatically transfers to the surviving person.

Tennants in Common

• Requires two signatures to withdraw or give instructions

• Upon death of either owner, the fractional ownership of the funds (ie 50-50) are disbursed through the estate.

Bank of Power of Attorney

• Must be prepared by a lawyer.

• Both parties must attend the Bank in order to sign the applicable documents.