Protect yourself against identity theft
Identity theft is a serious crime. It occurs when your personal information is stolen and used, without your knowledge, to commit fraud or other crimes. Identity theft will not only cost you your time and money, it can also destroy your credit and ruin your good name.
Skilled identity thieves use a variety of methods to steal your personal information, including:
Dumpster Diving – This term refers to individuals who rummage through trash looking for bills or other documentation with your personal information on it.
Skimming – Stealing credit/debit card numbers by using a special storage device when processing your card.
Phishing - Thieves pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
Changing Your Address - Your billing statements are diverted to another location by completing a "Change of Address" form.
Physical Stealing - They steal wallets and purses, mail, including bank and credit card statements, pre-approved credit card offers, and new checks or tax return information. They may even steal personnel records from their employer or bribe employees who have access.
Protect yourself from fraud
We have provided examples that may help you identify fraud.
- Smishing Schemes
- Fraudulent Mortgage Relief Programs
- Fraudulent Emails Claiming to be from the FDIC
- Fraudulent Official Checks and Money Orders
- Fraudulent Emails Seeking to Capture Consumer Information
- Nigerian Purchase Scam
- Lottery Scam
- The Costly Compassion Scam
General Online Security Guidelines
- Use the latest version of your browser and update your computer with the most recent security patches. Software vendors, such as Microsoft, work hard to update programs to make them more secure. Check software vendor’s websites regularly to ensure that you have the latest versions of the software you use.
- Use “stronger” passwords on accounts. Avoid easily guessed passwords on important online accounts. It is generally a good idea to avoid using passwords that can be found in a dictionary. Try incorporating ‘special’ characters (!@#$ %^&*) and numbers into passwords.
- Never share your passwords with anyone.
- Change your passwords regularly.
The simple act of changing your passwords at regular intervals (we recommend every 30 days) can help protect your information. We require password changes at least once a year, but it is a good idea to do it more often.
- Do not use the “Auto-Complete” features of browsers. Turning this feature off in your browser helps to ensure that your password remains confidential and is not left behind for the next person who uses that computer.
AVB Online Banking & Bill Pay Security Guidelines
- Do not use public or other unsecured computers to access AVB Online banking.
- Only access AVB Online banking by starting from the Allegheny Valley Bank website: https://www.ilovethatbank.com
- Check your last login date/time every time you log in.
- Never leave a computer unattended while using online banking. Make sure you have logged out of AVB Online banking when finished.
- Review your account activity for unauthorized use. Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.
- View transfer history available through viewing account activity information.
- Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic record keeping
- Take advantage of and regularly view system alerts; examples include:
- Balance alerts
- Transfer alerts
- Password change alerts
- ACH Alerts (for cash management users)
- Wire Alerts (for cash management users)
- Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.
- Whenever possible, register your computer to avoid having to re-enter challenge questions and other authentication information with each login.
- Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.
- Never conduct banking transactions while multiple browsers are open on your computer.
- Take advantage of transaction limits. Establish limits for monetary transactions at multiple levels: per transaction, daily, weekly, or monthly limits.
- Use separate accounts for electronic and paper transactions to simplify monitoring and tracking any discrepancies.
If you have any reason to believe your Allegheny Valley Bank account(s) have been compromised, notify your local branch immediately!
Please note that these tips are intended to be suggestions to help you protect your information, and will not determine liability from unauthorized transactions.