Education Center

Online Banking Security & Awareness


Is Online Banking Safe?
The internet is an inherently unsafe environment and consumers must be careful when using online banking services at any financial institution.  The Bank of Orrick works hard to provide a safe and secure online banking service, however consumer awareness and diligence are encouraged to minimize risks of internet usage.

Types of threats to Online Banking Customers

Malware

Malware is short for malicious software. Malware includes viruses, spyware, and other software designed to gain access to or damage a consumer’s personal computer.  Malware may be present on websites or hidden in document attachments, links, photos, or videos.  Malware is often disguised as email from a known contact and is often activated when a link or attachment in the email is opened.

Phishing

Phishing is an activity that allows criminals to access your personal information through your computer.  Phishers post as individuals from organizations you know and trust to obtain your log-in information, passwords and account numbers.

Pharming

Pharming occurs when internet traffic is diverted from a legitimate site to a criminal’s fraudulent site.  Once consumers are on the fraudulent site, pharmers can record their key strokes and obtain personal information.

Scareware

Scareware is an official-looking pop up screen that warns consumers about a potential problem with their computer.  Spyware programs are then launched onto the computer when a consumer opens the pop-up window.

Spyware

Spyware is loaded to a consumer’s PC and used to collect address book information, passwords, banking information, and behaviors for ease in accessing their credit card or bank accounts.

Viruses

Viruses are malicious software (malware) programs designed to reproduce and infect other computers.  Viruses can spread from one personal computer to another by attaching to the consumer’s address book.  Viruses can also spread by accessing a computer connected to a company network and spreading to other computers on the network.  Once on a computer, viruses can alter, destroy, or use personal information for malicious purposes.

How Will The Bank of Orrick Contact You?

The Bank of Orrick may occasionally call or email you promotional information.  If you contact us to discuss your account, we will request personal information to verify your identity before we share any information.  This is for your security.

However, The Bank of Orrick will not:

  • Send an Email Asking for Your Bank Account Numbers or Passwords
  • Notify you by Email of a Required Change in Your Online Banking Records
  • Send you an Email Directing you to an Attached Link for a Promotion
  • Call you to Confirm Your Account of Online Banking Information

Online Security Best Practices

What can you do to protect yourself?
Here are some suggestions:

  • Use reputable anti-spyware, anti-virus, and anti-malware programs on your computer.
  • Update your security software regularly.  Avoid using free programs, whose results are often unreliable.  Free programs may also be decoys for malware.

Maintain Your Protection

Perform security scans weekly or whenever you suspect malware has been loaded to your computer.  Follow your security software’s recommendations and install updates when they are provided.

Passwords

Use passwords that will be difficult to detect; Avoid Names or Common Phrases
Use passwords that contain a combination of letters and numbers
If programs permit, use special characters in your passwords
Capitalize various letters in passwords, not just the first letter
Change passwords often
Do not use the same passwords for different websites

Surf Safely

Be careful when surfing the internet.  Visit sites you know and trust.  Be careful about promotions and offers presented without your request.  Be careful about pop-up windows and suggested links.  Close each website before proceeding to another.  Be sure to log out of any financial services website before proceeding to other activity on the web.

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Personalization Settings

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Welcome

Bank of Orrick would like to personalize your banking experience. Please enter your first name below..

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind me again.