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Multi-Factor Authentication
What is multi-factor authentication and how does it work in our online and mobile banking products?
Multi-factor authentication (MFA) refers to different "layers" of security instead of relying strictly on a passcode or password to log in. Passwords alone are inherently unsafe for a number of reasons.
MFA is typically described in terms of combining two or more of something you know (passwords), something you have (security token), or something you are (fingerprint or another biometric device). Combining two or more of these effectively makes it more difficult for someone to fraudulently log in to your online or mobile banking account.
Our online and mobile products utilize an authentication service to provide an authentication code upon logging in to online or mobile banking. Upon your direction, the authentication service will send an authentication code to you via text on your mobile phone or via voice call to a mobile or landline. An authentication code is required each time you log in unless you opted to have no authentication code sent when logging in to a trusted device. With the mobile application, a separate pin access code or fingerprint access may be utilized to open your mobile banking application.
Danville State Savings Bank encourages you to use an appropriate internet security product which incorporates an antivirus, anti-spyware, and an internet firewall, anytime you are connected to the internet to protect both your hardware and any personal information you may have stored on your computer.
For more information, contact us via email at [email protected] or call 392-4261 (toll free 877-392-4261)
Selecting a Secure Password
Your online and mobile banking security depends upon the use of a secure password. Here are a few tips for selecting a secure password:
- Avoid using repetitive or consective numbers or letters (i.e. 12345, AAAAA)
- Avoid using adjacent keys on the keyboard (i.e. qwerty)
- Avoid using easily recognizable personal information (i.e. your name, family members' names, birthdates)
- Avoid using information easily obtained (i.e. license plate number, address, social security number, phone number)
- Utilize a combination of upper and lower case letters, numbers and symbols
- Utilize mnemonic or rhyming passphrases
Here are the requirements for your online and mobile banking password creation:
- It must be between 8 and 15 characters in length
- It must be a combination of letters and numbers
- It can contain upper or lower case letters, numbers or the following symbols: +_%@!$*~
- It cannot be a repeat of the prior 2 passwords used
- It will expire every 180 days
You should not share your username or password with anyone or give anyone access to your online or mobile banking. Contact the bank immediately if you feel your online or mobile banking access has been compromised.
For more information, contact us via email at [email protected] or call 392-4261 (toll free 877-392-4261)
Spyware Information
What the heck is all this talk about "Spyware"?
Spyware, adware, or malware, it all amounts to the same thing but by varying degrees. They are all mini programs that are installed without your consent and often without your knowledge. They can come in with spam email, although usually, they come in with a pop-up ad or by someone clicking a link in a questionable ad. They are also capable of entering your system in the same manner as a "worm" or modern virus. Just the very act of connecting to the Internet can allow one of these vicious little bugs to enter your system.
Often, the earliest signs of spyware infection is an increase of those annoying pop-up ads. When it starts, the problem can grow exponentially. It often gets so bad that the computer is virtually unusable. By the way, don't click on any pop-up ads even if it appears to be an ad offering to clean your machine. By clicking on a pop-up ad, you invariably download and install spyware of some sort or other.
The majority of spyware is intended to track your Internet usage merely to target you with advertising most likely to interest you. However, some of the most malicious (hence the term "malware") may download trojans or keystroke loggers to your system.
A trojan is a program that installs a "backdoor" access which could allow a bad guy anywhere in the world to take control of your system. These are often used to create "zombie" machines that can do anything from DOS (denial of service attacks) against popular Internet sites to hosting files of questionable or illegal content for illicit websites.
In our opinion, the scariest spyware of all comes in the form of keystroke loggers. These little devils record every keystoke on the infested machine and are sometimes capable of "phoning home". Imagine a program recording your Internet banking Access ID and password and transmitting this information to a malicious hacker. Or recording your private instant messaging conversations. Not to mention collecting your credit card number and expiration date the next time you make a purchase online.
Fortunately, there are some excellent tools for cleaning and maintaining your computer. Most are quite easy to use and many offer a free download or trial period.
Danville State Savings Bank encourages you to use an Internet firewall anytime you are physically connected to the Internet to protect both your hardware and any personal information you may have stored on your computer.
We also encourage you to check out the following link to many popular anti-spyware applications: How to Remove Spyware From Your PC, courtesy of PCWorld magazine.
This information is provided free of charge and is simply for the convenience of our customers. There is no warranty as to the accuracy of the information and no fitness-for-purpose guarantee for any product is to be implied. Danville State Savings Bank does not endorse the use of one product over another and is in no way able to provide individual computer support. If you require assistance, please seek out a qualified computer repair professional.
For more information, contact us via email at [email protected] or call 392-4261 (toll free 877-392-4261)
Security Links
ScamBusters.org: Private site, contains advertising for funding.
Federal Trade Commission – Consumer Information Security: Tips about computer security and how to safeguard your information.
Federal Trade Commission: Tips and advice if you think that you may be a victim of identity theft.
This information is provided free of charge and is simply for the convenience of our customers. There is no warranty as to the accuracy of the information and no fitness-for-purpose guarantee for any product is to be implied. Danville State Savings Bank does not endorse the use of one product over another and is in no way able to provide individual computer support. If you require assistance, please seek out a qualified computer repair professional.