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Security Tips

February 8, 2023


Online Banking Security

The Bank of Elk River's Digital Banking is accessed through a secure encrypted connection. Data transmitted to or from The Bank of Elk River's Digital Banking system is encrypted to protect your privacy. The "https" in the address bar indicates that a secure connection has been made with the server.

At The Bank of Elk River, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. When logging into The Bank of Elk River’s Digital Banking system, you will be prompted for a username and password that is unique to you. Your Digital Banking password is the key to protecting your personal and financial information. Visit our Digital Banking page for more information.

  • Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your passwords or give them to another person.
  • Changing your password regularly will help ensure the security of all your online accounts as well as the information and money they give you access to.
  • Your Digital Banking password needs to be a minimum of 10-characters in length and requires a combination of alpha, numeric, uppercase, lowercase and special characters up to 25 digits in length.
  • Your password is designated to protect the privacy of your banking information. If you think your password has been compromised, change it immediately and then contact the bank at 763.441.1000.

Supported Browsers for Digital Banking and Bill Pay

To support the security measures we put in place to keep your data safe, we require the use of a modern browser and operating systems. As new versions are released, we will deprecate support for older versions.

Here’s a list of what’s currently supported:

  • iOS - Version 11 or greater is required.
  • Android - Version 5.0 or greater is required as of July 1st 2019.
  • Microsoft Edge - Microsoft Edge will be supported at the latest version only. Access may be denied to older versions 60 days after a new version is released.
  • Google Chrome - Chrome should automatically update and major updates are released approximately every 12 weeks. If Chrome is two versions older than the current stable channel version, access may be denied.
  • Apple Safari - Safari currently only sees major upgrades during the Fall. Access may be denied to older versions 60 days after a new version is released. However, this change requires that the new Safari version is available on both MacOS and iOS devices.
  • Mozilla FireFox - FireFox should automatically update. If FireFox is two versions older than the current stable channel version, access may be denied.

The supported browsers above are for devices such as laptops and desktops and do not apply to mobile devices (phones/tablets). If using a phone or a tablet to access online banking, please use The Bank of Elk River's Mobile App which can be located by visiting the App Store or Google Play.

Mobile Devices (iPads/iPhones)

Please review your current mobile device model used to access The Bank of Elk River mobile app. Beginning May 30, 2020, using an outdated device iOS 9 ( 2016) or earlier, or Android 4.4.2 (2013) or earlier, will no longer allow you to access your mobile banking tools, even if your mobile app may be the most current version. If you have an outdated device, it must be updated in order to access online banking tools through mobile devices.


The following types of tools and/or access are not recommended and may impact experience:

Accessing accounts via an embedded browser such as:

  • Personal or Commercial Financial Management Softward (Quicken, QuickBooks, etc.)
  • Browser bars with AOL, Yahoo, Google, etc.
  • Internet portal access within gaming system such as Xbox.

Use of browser add-ins (emoticons, FunWeb services, etc.)

Bill Pay Browser Settings

For troubleshooting Bill Pay browser issues, review the following setting recommendations. Setting locations vary by browser type. For additional assistance please contact Customer Service.

  • Add the URL or to your compatibility view settings.
  • Change privacy settings to allow these URLs.
  • Change privacy settings for the URLs to allow pop-ups.
  • Delete your browsing history, except for Temporary Internet Files and Website File.
  • Additional Browser History settings can be changed to "Check for newer versions of stored pages - Every time I visit the Webpage"
  • Restart your browser by closing all open sessions.

Mobile Banking Security

The Bank of Elk River makes every effort to ensure proper operation for all mobile users on a wide range of devices and operating systems. It will be necessary to increase the minimum system requirements from time to time in order to provide the best possible mobile experience to the maximum number of end users as newer devices and operating systems are adopted by users. Ensure your mobile device meets the minimum requirements for mobile banking:

  • iOS 10.1 or higher
  • Android 5.0 or higher
  • Windows 10 or higher
  • Most Operating Systems with HTML5 compatible browsers

Consider the following mobile device security measures:

  • Consider using the screen lock features on your mobile device for added security.
  • Keep your device's operating system and browser up to date with the latest software, antivirus, and security upgrades.
  • Only download apps from your trusted app store.

Protect Your Information

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

  • Your computer can be a goldmine of personal information to an identity thief. 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.
  • Never open or download attachments from unverified or unknown sources.
  • Use a firewall. The firewall allows you to limit uninvited access to your computer. Without a firewall, hackers can take over your computer and access sensitive information.
  • Choose a good password! Carefully select a password that is hard to guess and never use a word that can be found in the dictionary.
  • Your password is designated to protect the privacy of your banking information. If you think your password has been compromised, change it immediately and then contact the bank at 763.441.1000.
  • Once you finish your online banking sessions, be sure to log out. If anyone else has access to your computer, clear your browser's cache in order to eliminate copies of web pages that have been stored on your hard drive. Avoid using public Internet access terminals when conducting your online banking.
  • Sign up for eStatements, direct deposit and Bill Pay for convenient and secure paperless options.

Protect Your Bank Cash & Check Card(s)

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.

  • As soon as you receive your new card, call to activate it, and sign the back. The customer can now activate their newly received card in online and mobile also.
  • 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.
  • 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.
  • If your card is lost or stolen, report it right away to 763.441.1000 and/or sign in to Digital Banking and lock your card immediately. To do so, select the account you want to lock, tap Card Management, click on the Active toggle button, and choose Lock card. Once your card has been found, reverse these steps. If your card cannot be located, call our Customer Support at 763-241-8522 for assistance.
  • As soon as you receive your new card, you have to options to activate it. 1) Call the number on the card, or 2) Sign in to Digital Banking, select the account associated with your card, click Card Management and then ‘Activate New Card’. Once your card is activated sign the back.

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 your 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.

If you fall victim to identity theft, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files.

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.