Recent Fraud Notices
Debit Card Scam
A recent debit card fraud attempt has come to the attention of Drummond Community Bank. Recently a scammer posing as a bank through text messages, indicates there may be an issue with your debit card. The scammer may request you enter your debit card number on your keypad or give the number verbally over the phone. If you believe you may have been a victim of this fraud attempt and have given out your debit card or account information, please contact your local Drummond Community Bank Office immediately.
*Remember Drummond Community Bank will never contact you and ask for your account or debit card information.
How Drummond Community Bank Protects You
Online banking is offered through a secured website connection. Each connection is authenticated using an online ID, a one-time security code, and complex password. If at any time you notice suspicious account activity or experience information security-related events please contact us as soon as possible.
How to Further Protect Yourself
User ID and Password Guidelines
- Create a “strong” password with at least 8 characters that includes a combination of mixed case letters, numbers, and special characters.
- Change your password frequently.
- Never share username and password information with third-party providers (Drummond Community Bank will never ask for your password).
- Avoid using an automatic login feature that saves usernames and passwords.
- Do not use public or other unsecured computers for logging into Online Banking.
- Check your last login date/time every time you login.
- Review account balances and transaction details regularly to confirm payment and other transaction data and immediately report any suspicous transactions to a Drummond Community Bank representative.
- View transfer hisrtory available through viewing account activity information.
- Take advantage of and regularly view system alerts.
- Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.
- Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.
- Never leave a computer unattended while using Online Banking.
- Never conduct banking transactions while multiple browser are open on your computer.
Tips to Avoid Phishing, Spyware and Malware
- Do not open email from unkown sources. Be suspicious of emails purporting to be from financial institutions, government departments, or other agencies requesting account information, account verification, or banking access credentials like passwords or PINs. Opening file attachments or clicking on web links in suspicious emails could expose your system to malicious code that could hijack your computer.
- Never respond to a suspicious email or click on any hyperlink embedded in a suspicious email. Call the purported source if you are unsure who sent the email.
Tips for Internet Usage
Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.
Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.
Ensure computers are patched regularly, particularly operating system and key application with security patches.
Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.
Check your settings and select, at least, a medium level of security for your browsers.
Clear the browser cache before starting an online banking session in order to eliminate copies of Web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser's preferences menu.
Tips for Wireless Network Management
Wireless networks can provide an unintended open door to your personal or business network. Unless a valid business reason exists for wireless network use, it is recommened that all wireless networks be disabled. If a wireless network is to be used it is recommended that it be secured as follows:
- Change the wireless network hardware (router/access point) administrative password from the factor default to a complex password. Save the password in a secure location as it will be needed to make future changes to the device.
- Disable remote administration of the wireless network hardware (router/access point).
- If your device offers WPA encryption, secure your wireless network by enabling WPA encryption of the wireless network. If your device does not support WPA encryption, enable WEP encryption.
- If only known computers will access the wireless network, consider enabling MAC filtering on the network hardware. Every computer network card is assigned a unique MAC address. MAC filtering will only allow computers with permitted MAC addresses to access the wireless network.
For Commercial Customers
Tips for the Risk Assessments
- It’s recommended all commercial online banking customers perform a risk assessment and evaluate controls periodically.
- Use limits provided for monetary transactions at multiple levels: per transaction, daily, weekly, or monthly limits.
- Review historical audit reports regularly to confirm transaction activity.
- Utilize available alerts for funds transfer activity.
Tips for Placing and Evaluating Controls
- When you have completed a transaction, ensure you log off to close the connection with the financial organization's computer.
- Use separate accounts for electronic and paper transactions to simplify monitoring and tracking any discrepancies.
- Reconcile by carefully monitoring account activity and reviewing all transactions inititiated by your company on a daily basis.
Under the Unlawful Internet Gambling Enforcement Act, you may not receive funds that pay illegal gambling wagers. We may block transactions we believe are prohibited by this law.
The Unlawful Internet Gambling Enforcement Act prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. Such transactions are termed "restricted transactions." The Act generally defines "unlawful Internet gambling" as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made.
Therefore, please be advised that your business/organization is prohibited from engaging in any restricted transaction(s) using any account(s) that you maintain with Drummond Community Bank.