Banking Safely
PIN and Password Selection and
Protection
• 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.