online security information
What First Resource Bank does to protect you online when using our online banking service:
User ID and Password
Our system is designed to limit online account access to those possessing the user ID and password associated with your account(s).
We have encryption technology in place that allows for the protection of data in transit between your computer and ours. The closed lock icon indicates whether a communication session is encrypted.
Our system is designed to log you out automatically after several minutes of inactivity.
Your Account Number
Generally, we only display the last four digits of your account numbers online. This prevents people looking over your shoulder from seeing the full number.
Cookies and Other Technologies
Our website utilizes a variety of technologies (such as cookies and web beacons), to collect, store, and aggregate data about usage. We may use electronic tags called “cookies” or other technology to help us understand and analyze use of our site. This work is either performed directly by us or by a third party we’ve hired to assist us. We collect information on what pages have been accessed and for how long and certain technical information regarding your computer and operating systems, such as your Internet protocol address, domain name and browser, etc. Cookies can also help in remembering certain user attributes.
Certain sections of our site require cookies to be enabled to enhance website performance. For example, cookies provide a secure way for us to verify your identity during your online session, enable us to personalize your experience on our site, and enhance site navigation. Cookies also help us to understand how people use our site so that we can improve site functionality.
When you come to our website, our web server sends a cookie to your computer. Standing alone, cookies do not identify you personally; they merely recognize your browser. We use two types of cookies on our website, temporary cookies and persistent cookies. Temporary cookies are used to store information during a browser session and will expire automatically when you close your browser. Persistent cookies are used to store information between visits to our website and are stored permanently or for a specified length of time.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (i.e. Internet Explorer) settings. If you disable cookies, you will not have access to many features that make your visit to our website fully functional.
What you can do to protect yourself when online:
User ID and Password
Please follow these rules to protect yourself:
- Never disclose your user ID or password to anyone.
- Memorize your user ID and password, do not write them down.
- Change your password frequently.
- Do not use birth dates, names, or other easily guessed letters or numbers.
- Do not be fooled by fraud: WE WILL NEVER SEND YOU AN EMAIL ASKING FOR YOUR USER ID OR PASSWORD.
- Log Out – When you have completed using our online site, log out (look for the “Log Out” link we provide). We suggest you do this before you shut your computer off and before you surf to any other websites.
- Email – Do not use email to send us sensitive information (such as social security numbers, account numbers, etc.).
- Public Computers, Internet Access – Do not use public computers or public Internet access such as “Internet Cafés” or “Free Wifi” to conduct online banking.
Phishing, Spoofs, Hoaxes and Other Deceptive Emails
Be careful when responding to email messages that appear to be from us, a regulator or an auditor. Thieves or hackers send email messages direct you to click on a link which redirects you to a fraudulent website, or pop-up window where you may be asked to “confirm,” “verify,” “update”, or otherwise provide sensitive information (such as your account number, password, PIN, or social security number). Sometimes these email messages will falsely say that your account will be shut down if you do not act quickly. Do not be intimidated by these threats. These links, websites and pop-up windows may look like ours, they are not. Clicking a link in one of these emails can expose your computer to viruses and spyware, even if you do not supply the sensitive information thieves want.
We will never send you an email that asks you to verify an account number, password, PIN, or social security number. If you receive such a request, it is probably fraudulent. If you have any doubts about whether an email from us is authentic, do not reply to it, open any attachment or use the link in the email. Instead, contact us through our website or telephone number obtained through your own records. For more information, contact InternetSupport@myfrbank.com.
Do not open attachments in email messages if you do not know the sender. Attachments can contain viruses and spyware. Delete unwanted email.
Links to Other Websites
If you click a link to another website, that website may collect, use, and disclose information about you in ways that are different from what we do. You should review that website’s policies. We are not responsible for what the operators of other websites do with your information. We will give you a pop-up notice to let you know you are going to an unaffiliated third party’s website.
Security for Your Own Computer
Protect your own computer by doing these things:
- Keep your operating system and browser up to date.
- Install a personal firewall.
- Install anti-virus software and keep it up to date.
- Scan your computer for spyware on a regular basis.
- Do not download programs or files from unknown sources.
- Install a pop-up blocker from a trustworthy source.
- Disconnect from the Internet when you are not online.
Our online banking system provides you with the date and time of your last session (“last login”). This allows you to check the most recent online session and could tell you whether someone else has been accessing your information.