Security Tips

Protect Your Debit Cards

Retail data breaches continue to headline the news. With the big data breaches comes a bumper crop of stolen card information that is readily available to purchase by criminals on the black market. While there is not a lot the ordinary consumer can do to eliminate a compromise to their card after a retail data breach, there are a few steps you can take to at least cut down on your risk.

  • Review your account statements when you get them. Better yet, sign up for electronic banking to get secure online access to your account day or night. Report any problems or questions, including transactions you think may be unauthorized, right away. Quick action can limit misuse.
  • Set your account up to receive alerts either by email or by text. You can choose the parameters of certain types of transactions you would like to be alerted to.
  • If your card is lost or stolen, report it right away to 763-441-1000.
  • Protect your card the same as you would cash, checks, or credit cards. No one else should use your card.
  • Keep your PIN a secret. Do not write your PIN on anything in your wallet. Never let a cashier or anyone else enter your PIN for you. Never give debit card information to anyone over the phone unless you initiate the call.
  • Always shield your PIN with your hand to prevent someone from stealing it, especially at an ATM or debit terminal. Be aware of your surroundings before using a terminal.
  • Always keep your debit card in sight when conducting transactions at the checkout.
  • Make sure your debit or ATM transaction is complete and review your receipt before leaving the terminal.
  • Have your card ready when using ATMs. Spend as little time as possible when using ATMs and be aware of any suspicious activity in the area.
  • If anyone follows you after conducting a transaction, go to a crowded, well-lit area and call the police. Keep your cell phone readily available during ATM transactions.

Password Security

Your online passwords are the keys to protecting your personal and financial information. Changing your password regularly will help ensure the security of all your online accounts as well as the information and the money they give you access to. When changing your password be sure to use strong passwords. Strong passwords are considered to be at least 8-characters long. World Wide Banker passwords need to be a minimum of 8 digits in length and any combination of alpha, numeric, uppercase, lowercase and special characters up to 25 digits in length. Make your password easy to remember but hard to guess. Use combinations that you know but wouldn’t make sense to others. A good password could be 26kDw*gm4. In addition, you should never use the same password on multiple sites. If one site is compromised your other accounts could possibly be accessed by the thieves.

Security Procedures to Protect Your Confidential Information

At The Bank of Elk River, we are taking action to ensure your confidential information is being protected. A basic element of safeguarding your confidential information is to guard against unauthorized access or use of this information. The Bank of Elk River maintains physical, electronic and procedural safeguards that comply with federal guidelines to guard your nonpublic personal information against unauthorized access or use. Our employees are subject to code of ethics and other policies that require maintaining the confidentiality of customer information.

The Bank of Elk River will continue to enhance and maintain prudent security standards and procedures to protect against unauthorized access or use of your nonpublic personal information and records.

We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials.

The Bank of Elk River encourages you to help us protect your information and to keep your information accurate. If you think your Bank of Elk River account information could be at risk, or if you believe that any of your information is not accurate, please call us at 763.241.8522 or toll free at 1.888.293.2265.

Protect Your Computer

Your computer can be a goldmine of personal information to an identity thief. Here’s how you can safeguard your computer and the personal information it stores:

Install and update your anti-virus and anti-spyware software frequently. Computer viruses can have damaging effects, including introducing program code that causes your computer to send out files or other stored information.

Look for security repairs and patches you can download from your operating system’s website.

  • Never open or download attachments from unverified or unknown sources.
  • Use a firewall, especially if you have a high-speed or “always on” connection to the internet. The firewall allows you to limit uninvited access to your computer. Without a firewall, hackers can take over your computer and access sensitive information.
  • When you’re submitting information, look for the “lock” icon on the status bar. It’s a symbol that your information is secure during transmission.
  • Avoid using an automatic login feature that saves your user name and password. Remember to sign-off when you’re finished banking online or leave the room for a few minutes.
  • Delete any personal information stored on your computer before you dispose of it. Use a “wipe” utility program, which overwrites the entire hard drive and makes the files unrecoverable.

Protect Your Information

There are a number of ways to help guard against unauthorized use of your account and protect your identity:

  • If you do not recognize the sender of an email or have any doubts about the authenticity of an email, do not respond and delete it immediately.
  • Do not open an email or click on links or attachments, especially if they tell you the problem is urgent or the attached file ends in “.exe”; “.com”; “.bat”; “.cmd” or “.pif”
  • Always use secure passwords. A secure password consists of upper and lower case letters, numbers and special characters (see: “Password Security” section above). Never share your password with anyone.
  • Do not include personal or sensitive data in, or in response to, an email.
  • Monitor your account activity closely and watch for unusual activity. You can use our World Wide Banker online banking to monitor account balances, 24/7.
  • Sign up for our eStatements, direct deposit and our World Wide Banker Bill Pay for convenient and secure paperless options.
  • When you finish your online banking sessions, be sure to log out.

Protect Your Identity

Identity theft occurs when someone uses your personal identifying information, such as your name, Social Security number or debit/credit card number, without your permission, to commit fraud or other crimes. The Federal Trade Commission has online guidance about the steps consumers can take to protect themselves against identity theft. For more information about identity theft, visit the FTC website.

Here are some tips on how you can prevent ID theft:

  • Shred financial documents no longer needed, pre-approved credit offers, receipts and other paperwork that may contain financial and personal information.
  • Retrieve and review your mail promptly. Deposit outgoing mail with checks enclosed in a post office blue collection box or at your local post office instead of an unsecured mailbox.
  • Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your number on a check. Give it out only when absolutely necessary.
  • Limit the identification information and the number of credit and debit cards that you carry to what you’ll actually need.
  • Store your Social Security card, other identification cards, infrequently used credit cards, checks and account statements in a safe and secure location.
  • Keep your purse or wallet in a safe place at work. Never leave your purse or wallet inside your vehicle unattended.
  • Don’t give our personal information on the phone, through the mail or over the internet unless you’ve initiated the contact or you can confirm that the individual and company are legitimate.
  • Review your credit reports frequently to ensure the information is up to date and accurate. Work with the credit reporting agencies to have any inaccurate information removed.
  • Frequently monitor your financial accounts and report any suspected fraudulent transaction immediately.

Protect Yourself on Social Medias

Use social media wisely. Social media connects families and friends with colleagues and businesses through powerful online communities. However, just as in real world communities, you should be careful what you share and how you share it to stay safe online.

Use privacy controls to restrict who can see your profile and posts. Options change frequently and you should check and update your settings often.

When posting, keep in mind that even a deleted post may have already been copied and the content may still be in the providers system even if it is no longer visible. Don’t reveal too much information. Personal information such as where you live, work, or go to school could be used against you. Revealing travel plans can give an indication that your home may be unoccupied.

Social media has seen an increase in phishing as people migrate away from email. Beware of links from friends or business users whose accounts you have not verified. These links could infect your computer with malicious software and put your information and online activity at risk.


Supported Browsers for Online Banking and Bill Pay

For online banking the current and prior major releases of Internet Explorer, Firefox, Safari and Chrome are supported. When a new version is announced as Release to Web (RTW), support will cease on the third-oldest major version. Internet Explorer 8 (IE8) is no longer supported for Online Banking. If you are currently using IE8, please upgrade your browser to a newer version.

Please note that utilizing older browsers may result in disabled functionality or limited access to services.

Download one of the supported browsers now!

Chrome | Firefox | Safari | Internet Explorer

Helpful Links

A CyberSecurity Guide For Businesses
Avoiding Cashier's Check Fraud