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Security Prevention and Detection
Bank with Security and Privacy
  Pay bills online as a replacement for mailing paper checks. If you do use paper checks,
store them in a secure location.
  Arrange for your paycheck and other regular deposits to be made using direct deposit.
It’s not only more secure, it’s also more convenient.
  Eliminate having your statements sent to you in the mail. Instead, get statements
delivered to your personal email.
  Review your bank statements, as well as credit card statements, as soon as you receive them, to ensure all transactions are accurate. Regularly check your online banking transactions to ensure they are legitimate and initiated by you or another authorized user.
  In place of carrying cash, use an Ocean Bank Mastercard® Debit Card to make purchases. 
If you use the ATM, do so with full awareness of your surroundings.
  Create Online User IDs, Passwords and PINs that are not easy to guess and change
them frequently
  Avoid using public computers to access online banking
  Immediately sign off of online banking if you observe response time or navigation
to be slow or delayed
  Only wire & ACH transactions require the use of a token-generated passcode. If you are performing another transaction and prompted for a token-generated passcode, immediately close all windows.
  Immediately close any windows or screens that request user information other than what you typically enter to access your online banking service
  Use the Online Banking Alert feature to receive messages about transaction types you do not typically perform or for transactions of unusually high amounts. For example if you do not use wire transfers, set up an alert to receive an email message any time an outgoing wire is sent.
Secure Personal Information
  Request a free credit report from each of the three major credit reporting agencies at least
once a year. Examine the reports to ensure accuracy. To request reports from Equifax,
Experian and TransUnion, visit or call 877-322-8228.
If you have a discrepancy, report it immediately by contacting the agency:
    Equifax 800-525-6285 / Experian 888-397-3742 / TransUnion 800-680-7289
  Shred or destroy all documents that contain personal information. This includes direct mail with special promotions that may contain your name, address and other personal information.
  Store all personal documents such as social security cards, birth certificates, passports,
real estate deeds and legal documents in a safe deposit box
  Never give personal information over the phone to an unsolicited caller
  Be careful when giving out your social security number; avoid carrying your social security
card in your wallet. Instead, store it in a safe deposit box.
  Avoid storing your car registration and automotive insurance card in your car
  If out of town for an extended period of time, take advantage of free hold mail service
offered by the United States Postal Service
  Avoid mailing checks and other correspondence with personal information from a
curbside mailbox
  Never give personal, bank or credit card information over the telephone unless you have
initiated the contact
Shop Online with Confidence
  Be cautious when making purchases from unknown merchants
  Use a credit card instead of a debit card to make online purchases to avoid giving merchants
direct access to your account
  Before entering personal information, be sure the site is secure by checking the URL in
your browser bar at the top of your computer screen. A secure URL will begin with “https”,
as opposed to the normal "http". The 's' at the end of the series of characters means the
connection is secure.
  When available, opt to use secure methods of payment that do not involve sending
account information online
  If you are a frequent online shopper, consider getting a credit card with a low limit to use
just for making online purchases to minimize your potential exposure
  Remember to logout once you have completed your transaction
  Avoid using public computers to make online purchases
Protect Yourself When Using Email, Internet, Wireless Networks and Text Messaging
  Use caution when opening emails and text messages from unknown sources
  Never provide personal information to unknown sources unless you have solicited
the interaction
  Store online user IDs, passwords and other login data in a secure location; avoid storing this information on your phone or other portable device that may get lost or stolen
  Change User IDs and passwords frequently
  Load and continually upgrade virus protection software on your computer
  Destroy the hard drive of a computer that you dispose of or donate
  When setting up a personal wireless internet connection at your home or office, be sure to follow the encryption instructions. Encryption ensures that only authorized users access your connection. As part of this process, you will be asked to create a WEP (Wireless Encryption Protocol) key. Use a series of numbers or letters that is not easy to guess.
  Be patient when asked to answer security questions in order to access an online account.
These questions are layers of protection that help ensure a safe online environment.
  If you think your computer is infected with malware*, consider the following options:
- run two or more virus scans using different programs
- contact a reliable IT professional to inspect your computer
- reformat your hard drive
    *Malware is software that has the potential to harm the operation of a computer and most commonly transmitted through email from unrecognized senders
    Please note that Ocean Bank will never use email or text to request personal information
or account information
Definition of Terms
Encryption - The encoding of information that makes it unreadable
Firewall - A barrier on your computer than prevents the transmission of certain types of information
that are detected
Identity Theft - All types of crime in which someone wrongfully obtains and uses another
person’s personal data in some way that involves fraud or deception, typically for economic gain
(Source: U.S. Justice Department)
Malware - Software that has the potential to harm computer programs installed on your computer
and prevent them from operating as intended
Phishing - Email messages that are intended to solicit personal information for wrongful purposes
SMShing (SMS text phishing) - Text messages that are intended to solicit personal information
for wrongful purposes
Spam - Largely broadcasted email from unsolicited sources, primarily marketers
Virus - A series of codes that prevents computer programs from operating as intended
Whaling - Spam that specifically targets executives (big fish) of companies
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