Support

Support

Online Banking Security

Keeping your online financial and personal information secure and confidential remains one of our top priorities. Learn about the various technologies we utilize to protect your data, as well as security technologies we make available to you, our customers, so you are empowered to protect yourself. Our mobile banking customers will be interested in the security features and tips outlined here as well.

When you are finished reading about Online Banking and Mobile Security, be sure to check out these additional resources, or feel free to contact us if you have questions or concerns.

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Union First Market Bank utilizes many security technologies to protect your personal information. The following prevention techniques stop identity theft at the source and protect your private data before it is compromised.

Secure Architecture

The computers storing your actual account information are not linked directly to the Internet. Transactions initiated through the Internet go through firewalls, these firewall servers act as a traffic cop between segments of our online banking network used to store information, and the public Internet. This configuration isolates the publicly accessible Web servers from data stored on our online banking servers and ensures only authorized requests are processed. Various access control mechanisms, including intrusion detection and antivirus software, monitor for and protect our systems from potential malicious activity. Additionally, our online banking servers are fault-tolerant, and provide for uninterruptible access, even in the event of various types of failures.

Password Protection

It is important to verify that only authorized persons log into online banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center.

Failed Log-on Attempts - We allow you to enter your password incorrectly a limited number of times; too many incorrect passwords will result in the locking of your online banking account until you call us to reinitialize the account. We monitor and record "bad-login" attempts to detect any suspicious activity (i.e. someone trying to guess your password).

Enhanced Login Security identifies you as the true “owner” of your accounts. Now, not only will your password be recognized, your computer will be recognized as well. If we don’t recognize your computer – you’ve logged in from a public computer or one you haven’t used before you will be prompted to provide information that only you will know as an additional line of defense against unauthorized access to your accounts.

Encryption

The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server. Encryption occurs when the web page is secure (if there is a locked padlock in the lower left-hand corner of your browser and the session is secure - “https://” and not “http://”).

Email/Chat/Support - Communications that contain private data are encrypted when sent securely, whether Email, LiveChat, or our Online Knowledgebase.

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Early Detection is equally important. Successful detection includes records consolidation and the regular review of your financial accounts for unusual activity. Online Banking with Union First Market Bank provides the following technologies to give you quick access to information, so that you can detect fraudulent activity sooner.

Check Images

View an exact facsimile of your check transactions online to help prevent fraud.

Alerts

Check clear alerts, payment alerts, and balance alerts are financial tools we provide to help you to monitor your accounts more actively and to detect suspicious activity more easily.

Online Statements

Online Statements are facsimiles of traditional financial statements packaged and delivered to you securely within Online Banking. By eliminating your paper statement, you help stop thieves from stealing your information out of your mailbox.

Last Logon

Upon successfully logging on to Online Banking, you will see the date of your last successful logon and the number (if any) of unsuccessful logon attempts. The Last Logon feature can help you monitor the usage of your Online Banking accounts for any unauthorized access attempts.

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Password Complexity

A well chosen password has two important characteristics; it should be easy to remember, and hard to guess. Do not write down the password anywhere. Never reveal your password to another person. You can check your password's strength with an online password checker. You should periodically change your password in the User Option section of Online Banking.

Click to close the list of common password choices to avoid:

    • Customer, family member, or pet’s name
    • Social Security, Account or Phone numbers
    • Any part of your physical address
    • Anybody’s birth date
    • Other information that is easily obtained
    • Any username on the computer in any form
    • A word in the English or foreign dictionary
    • A password used on another site
    • Any of the above spelled backwards
    • Out of Wallet or Public Records
    • Sequences: “12345678,” “222222,” “abcdefg”

Work on a computer you trust

Firewalls, antivirus, anti-spyware and other protection devices help keep a computer properly monitored and provide peace of mind. It is also important to keep your computer up-to-date with patches to security tools as well as to the operating system and other programs on your computer. Don’t use public computers for sensitive operations.

Be selective about where you surf.

Not all web sites are benign. Sites that are engaged in illegal or questionable activities often host damaging software called malware and make users susceptible to aggressive computer attacks.

Sign off, shut down, disconnect & lock your computer

Always sign off or logout from your online banking session or any other web site that you’ve logged into using a user ID and password. When a computer is not in use, it should be shut down or disconnected from the Internet and locked to protect you from unauthorized user access. Make sure the Timeout feature is set in the User Options screen. It prevents others from continuing your online banking session if you left your PC unattended without logging out.

Use a secure browser

Only use secure web pages when you’re conducting transactions online. A Web page is secure if there is a locked padlock in the lower left-hand corner of your browser. Verify use of a secure session. (“https://” and not “http://”)

Do not store sensitive information or credentials for future convenience.

It is a common practice when registering for access to a web site or making a purchase from a web site to be asked if you want to keep your access credentials, credit card number or other sensitive information on file as a matter of convenience. This common request is referred to as "remembering" for the future use.

Security Features

Text Banking

  1. Only the phones that you personally enroll can access your accounts.
  2. Each phone you enroll is tied to your e-Banking account.
  3. No account data is ever stored on your phone.

Mobile Web & App Banking

  1. 128 bit encryption
  2. Secure login information is not stored on the device
  3. 5 minute automatic inactivity logout
  4. Same lockout procedures as Online Banking
  5. Added security with challenge questions (MFA)
  6. Account masking

Security Tips

  1. Avoid storing sensitive information like passwords and social security numbers on your mobile device.
  2. Password protect your mobile device and lock it when you’re not using it.
  3. Be aware of your surroundings. Don’t type any sensitive information if others around you can see.
  4. Log out completely when you complete a mobile banking session.
  5. Protect your phone from viruses and malware just like you do for your computer by installing mobile security software.
  6. Download the updates for your phone and mobile apps.
  7. Use discretion when downloading apps.
  8. If you change your phone number or lose you mobile device, let your financial institution know right away.
  9. Monitor your accounts regularly and report suspicious activity to your financial institution immediately.

The following sites are not associated with Union First Market Bank, but are excellent resources about security.

  1. Federal Trade Commission (FTC) Identity Theft Home. Your National Resource for Identity Theft.
  2. FDIC Consumer Information. Federal Deposit Insurance Corporation quick links for consumers.
  3. National Cyber Security Alliance. The National Cyber Security Alliance (NCSA) is a public-private partnership focused on promoting cyber security and safe behavior online.
  4. Microsoft Security At Home. Microsoft has a site committed to providing you easy steps and resources to secure your computer at home.
  5. Small Business Center: Security Toolkit. Every business needs a security plan. The U.S. Chamber of Commerce has partnered with Microsoft to create a comprehensive resource of tips and how-to information that can be used to protect your computers and your business.
  6. Microsoft Password Checker - Check to see how strong your password is with this Microsoft tool.
 
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Union First Market Bank
P.O. Box 940
Ruther Glen, VA 22546

FDIC Equal Housing Lender