Security Threats

Paper documents containing confidential personal and financial information 
 What We Do: What You Can Do:
  • We offer eStatements to reduce paper in your mailbox, stored at home or thrown in the trash.
  • eBills received through online bill pay further reduce the amount of personal information delivered to your mailbox.
  • We sponsor community shred days.
  • Stop payment can be placed on a single check or a series of checks anytime through online banking anytime.
  • Sign up for online banking, bill pay, eBills and eStatements.
  • Secure necessary paper documents in a home safe or rent a safe deposit box from the bank.
  • Shred all paper documents that contain confidential financial information.
  • Store checks and checkbooks out of plain view – preferably in a secure location.

 

Unauthorized access to online accounts 
 What We Do: What You Can Do:
  • Online banking customers are required to use multi-factor authentication credentials in order to gain online access – all can be changed by the user at will.
  • Use complex passwords.  Pictures, phrases, security questions and computer registration substantially reduce the risk of account exposure to online predators.
  • Website encryption (https:) further protects information as it flows between two points.
  • Our Customer Care Center provides support via telephone or live chat 8am – 8pm weekdays, 8am – 4pm Saturdays.  
  • Forced log-out after online banking or bill pay has been idle for a specific length of time.  Users are automatically logged out when the system is idle for a length of time.  This protects your login and your accounts.
  • Use complex passwords, i.e. one that contain special characters (*, !, #, @, &, %, in addition to a numbers and upper and lowercase letters). Use a different password per each website.
  • Change credentials periodically.
  • Only register computers that you control.
  • Do not access online banking using a shared wireless connection or public computer.
  • Memorize user names and passwords or store them in a secure place.
  • Keep current versions of anti-virus software.
  • Run virus scans frequently and search for software updates. Automate the processes if possible.
  • Always look for your picture and phrase. If they do not match what you chose, log out and contact the bank immediately.
  • Be sure to log out of bill pay and online banking completely after each session.

 

Unauthorized access to accounts using cards
 What We Do: What You Can Do:
  • Make links to the MasterCard SecureCode site available on our website for easy registration.
  • Automated activity monitoring looks for abnormal purchase and spending patterns. 
  • Use cardholder name, address, expiration date and code matching tools for online purchases to reduce possibility of fraudulent use.
  • 24/7 reporting service for lost and stolen cards.
  • Work with card companies and local law enforcement to recover unauthorized purchases.
  • Notify customers of card data breaches – even if they do not impact the bank.

  • If unauthorized transactions appear, report them right away.
  • Notify the your bank and card companies when you plan to go on a trip or vacation that will take you to unfamiliar territory.
  • Do not store cards and PIN's together.
  • Sign the back of all cards.
  • Keep cards in sight during a transaction.
  • Inspect ATM's for attachments; report suspicious people nearby.
  • Keep receipts and check statements frequently.
  • Do not use public computers or shared wireless internet connections to access online banking or make online purchases.
  • Report unauthorized purchases immediately.

 

Account Activity that goes unnoticed – even if it's only a dollar
 What We Do: What You Can Do:
  • eStatements are received faster than paper statements received by mail.
  • online banking is a great tool for frequent monitoring of account activity.
  • fauquierbank.com has a link to the official free credit report site.

  • Take advantage of the speed and efficiency of online banking and eStatements – sign up today!
  • Exercise your right to a free credit report annually. Review it carefully and question anything you do not recognize. Request corrections where necessary and follow up to ensure the corrections are made in a timely manner.
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