Fraudsters are clever and constantly devise new methods to commit fraud at your expense. There are a number of known payment-forwarding or payment-scams. These scenarios typically involve online job seekers who are asked to accept payment into a personal bank account and then forward or transfer money from this personal account to another bank account. As payment for this "service," the job seeker is instructed to keep a small percentage of the original money. Common sense in these cases is often the best protection: "if it sounds too good to be true, it probably is."
Internet Banking provides the ability for customers to enroll and receive account related information by email or text message. Among other alert options, you may choose alerts for specific account activity, such as deposits and withdrawals, and in instances where a preset limit, a daily balance for example, is met for your account. If you receive an alert for a transaction that you don't recognize or didn't perform, please contact our Internet Banking Customer Service at (303) 232-5522 or (800) 964-3444.
Your Internet Banking logon credentials are important and keeping them secret is essential to preventing unauthorized access to your account. The following guidelines are designed to protect you and the Bank.
If you forget your User ID, password or the answers to your security questions, you can contact FirstBank's Internet Banking Customer Service at (303) 232-5522 or (800) 964-3444. Additionally, your password can be reset online by clicking here.
Virus protection is an additional tool to help combat computer viruses and malware designed to cause harm or steal personal information. Keep your protection software updated to help detect the latest viruses. Additionally, install browser and operating system updates as soon as they become available.
Fraudsters continually think up new ways to steal your personal information or to trick you into releasing this information. Fraudsters may pose as authentic websites or use emails with malicious links in an attempt to gather your personal information. Many of these attempts are convincing, as they may include legitimate company names and logos. Remember that FirstBank already has this information on file and will not request this information unless you are already logged into our secure website.
Use privacy settings on social networking sites to control who has access to the information you publish. Don't publish personal information such as your social security number, your mother's maiden name, your home address, your full date of birth, your phone number, your kids' names or when you won't be at home. All this information invites identity or home theft.
Protect your mobile device by requiring authentication as simple as a password to access the device, and make sure you can remotely wipe your personal information off the device in case the phone is lost or stolen.
Virus protection is not just for your computer anymore. Protection for your tablet or smartphone is just as important. Applications to help protect your mobile device are readily available on all platforms.
Review your credit reports carefully. Each major credit reporting agency is required to provide you with a free copy of your credit report once a year, upon your request. Look for any credit inquiries from companies unfamiliar to you or for accounts that you did not open. These can be red flags for identity theft. To order your free annual credit report, visit www.annualcreditreport.com or call toll-free 1-877-322-8228.
FirstBank safeguards information according to established security standards and procedures in order to keep your financial information secure and confidential. In addition, we continually assess new technology for protecting information and have external vendors perform regular audits of our system. The result is a "distributed security" network, one that ensures protection throughout the banking process, on your computer, during the transmission of information, and in the bank's own computer systems.
Distributed security means that, rather than rely on one security measure, FirstBank uses many lines of defense to protect your account information, including encryption, firewalls, timed log off, virus protection, and a secure login process. Whether you're signing up online for Internet Banking, transferring money or paying your bills, you can depend on your accounts and your account information being safe.
FirstBank uses Secured Socket Layer (SSL) encryption for customer online transactions, and each session uses a unique master key to encrypt messages. Encryption is a communications process that scrambles private information to prevent unauthorized access as information is being transmitted between your browser and FirstBank. Once you sign off, the master key used for that session becomes useless, since it is only good for one session.
Before you are able to login to Internet Banking, you must be using an Internet browser that supports 128-bit encryption, the highest level of security available. Click here for instructions on how to ensure your browser utilizes 128-bit encryption and how to download the most current browser versions.
We recommend you use the latest version of Firefox or Internet Explorer on Windows, or the latest version of Firefox or Safari for Macintosh to access Internet Banking, as our experience has been that the service performs best with these browsers. To download the most current versions of these browsers, click on the appropriate link below.
FirstBank's computer system does not connect directly to the Internet, as every system that interacts with the Internet is at risk of attack from hackers. To protect our systems that interact with the Internet, we use firewall technology to prevent unauthorized access. A firewall is a system that blocks unauthorized interactive access from individuals or other networks.
In addition, we use outside security experts to attempt unauthorized attacks, both internally and externally, to ensure our systems are secure. We also monitor our systems for unauthorized entries, and log any such attempts.
If you forget to log off or if your Internet Banking session is inactive for more than 10 minutes, FirstBank does it for you by ending your current banking session. Once the account has been automatically terminated, no one will be able to access your secure information. You will need to log back in with your User ID and Password to access your Internet Banking Service.
We use sophisticated tools to detect and prevent computer viruses from entering the bank's computer network systems.
You authenticate your Internet Banking session by entering your unique User ID and password, both of which are encrypted as they pass over the Internet and before they are stored on our system. When you sign up for Internet Banking, you select both the User ID and password, and we do not have access to your password to further increase security.
What is Verified by Visa?
Verified by Visa is a free service offered by FirstBank in partnership with Visa. This service offers an added layer of security to online purchases using your FirstBank debit card. Read the Terms of Service here.
How does Verified by Visa work?
When you shop online with your debit card at participating merchants, such as walmart.com, that display the verified by visa logo you may be asked a series of questions to confirm your identity based on the risk level of the transaction. You must answer these questions accurately to continue with your transaction.
What about Verified by Visa and my FirstBank Credit Card?
Credit card owners will register their card with Visa and use a password to authenticate their online purchase. Please click here to learn more about this service and to register your card.
Will I be asked a security question every time I pay online?
Security questions are asked when transactions appear risky. Additionally, only those merchants that participate with Visa are included. To review the list of current participating merchants, please click here.
Why do the security questions ask such private information?
In order to combat fraud, we have multiple layers of security for transactions. The out-of-wallet questions that are asked by the Verified by Visa service are designed to be known only by the legitimate cardholder. These questions are meant to help deter fraud on your account.
What happens if I answer the questions incorrectly?
If you are unable to answer the questions correctly, you will receive the following message; "Your transaction cannot be completed. The authentication information provided does not match our records." When you receive this message, please contact a FirstBank customer service representative at (303) 237-5000 or (800) 964-3444 for assistance.