Smartphones are great for making business and personal life more efficient; that’s why we offer mobile banking for your business and personal accounts. But it’s important to know how to keep your smartphone safe from cyber threats. For your safety, our mobile apps will suspend your account access after you’ve attempted to login with an incorrect username or password three times. But that’s not enough to ensure your safety elsewhere. Here are some pointers for keeping your information secure while using a cell phone:

  • Use strong passwords: 
    Never use something easily guessed like personal phrases or phone numbers, and NEVER use your social security number as a password. Your passwords should contain at least eight characters as a combination of letters, numbers, and symbols. Including uppercase and lowercase letters is highly encouraged.
     
  • Always lock your phone/tablet when they are not in use and consider facial recognition/Touch ID technology
    Make sure to set your devices to lock automatically after you are done using them.  It is also a good idea to set up a security passcode or lock pattern that will be required to access your device. In addition,  most smartphones and apps now use facial recognition and/or Touch IDs which are the most secure ways to protect your devices. 
     
  • Consider device remote tracking

    Apple users have Find My iPhone, and Android users can enable Find My Device to see the last known location of the device. Both features allow you to remotely wipe your smartphone’s data if it’s stolen or can’t be retrieved.

  • Only download Official Apps 
    You should only download your bank's official app. You can help ensure this by visiting your bank's official website and accessing the app that way. It is also important that you only download apps from Official App Stores such as Google Play2 and Apple App Store1.
     
  • Always make sure your device's Operating System (OS) is up to date
    These updates are meant to protect your device and data with the most current protection from viruses, malware and other online threats.

  • Don’t repeat passwords:
    It’s easy to use the same password for every platform, but that’s not safe. Consider variations of your passwords, and never auto-save your usernames and passwords. Again, facial recognition and TouchID options can help make the password process a lot easier for users while providing the most security. 
     
  • Change your passwords regularly:
    It’s a good idea to update your passwords quarterly or yearly. It is always recommended you change your password at the time of a threat or concern.
     
  • Use 2FA:
    What does 2FA mean? Two-factor authentication. Once you’ve entered in your password, you’ll be asked for a second verification. Second verifications can come as a code via text or email or as a series of personal questions. If someone steals or uncovers your password, they won’t be able to access your information without the secondary code. So how do you implement 2FA? Some sites and applications require it or have the option already. If not, go to your phone’s app store and download one for free.  
     
  • Don’t use public networks for private transactions:
    And be aware of public network names! Oftentimes, coffee shops and other restaurants will offer free Wi-Fi. Sounds great, but sometimes scammers are fooling you with network names. For example, if “Cup-o-Coffee Shop” is the name of the coffee shop’s Wi-Fi, a scammer might setup “Cup-o-Coffee Shop 1” as their network. If you unknowingly connect to the fraudulent network, the scammer could be collecting your data and monitoring your activity. Be aware and never make private transactions on public networks.
     
  • Always be aware of your surroundings: 
    It’s easy to be distracted by your phone. Adding a privacy screen to your device is a great way to protect yourself from anyone looking over your shoulder.   
     
  • Never auto-store your passwords:
    Sure, it makes it easy to login quicker, but is your safety worth the risk? The answer is no. For your protection, you should always type your information in the login each time you want to access your account. This is especially important for those who give children their phones or tablets for entertainment. Children could unknowingly and innocently sign into your accounts and share your information when passwords are auto-saved.

 

1. Apple, and iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone is a trademark of Apple Inc.
2. Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.