Security is a priority at First Reliance Bank. We are committed to protecting the security and confidentiality of your personal and financial information. We use a combination of state-of-the-art technology and methods to help to protect your security. Additionally, our comprehensive security program, First Reliance Bank Security Assurance, brings you the products, services and account features you need to protect yourself and your business from fraud and identity theft. Select a topic from below to learn more:
HOW WE PROTECT YOU
First Reliance’s Layered Security
First Reliance Bank takes a layered approach to help protect your accounts and your identity. Every time you sign on to your Online Banking you will see your Personal Security Image. These settings – customized by you – let you know that you are at the First Reliance Bank Online Banking site and not an imposter site. In addition, we will ask you to answer a Security Question that only you should know the answer to if you are attempting to sign on from a computer that we do not recognize in order to help verify your identity. We may also ask you one of your Security Questions periodically as yet an additional layer of security.
Multi-factor authentication is another layer of security within Online Banking that can help prevent fraud on your account. As a security measure, some online banking actions require passcodes as a second layer of identity verification to ensure that you are the user authorizing the activity.
With muti-factor authentication,when you login to your online banking you will be prompted to enter your mobile device phone number, and then select your service provider from the drop down listing. When you do certain activities a window will display indicating how to complete the action. If you have previously entered your mobile phone number and you can receive texts then you click on Send Text to generate a Text One Time Passcode. Once you receive the passcode in the text message, enter it in the box in the window and click Submit. You can now continue with your activity. If you don’t have a mobile device you will need to contact First Reliance Bank’s Customer Care Call Center 888.543.5510 and they can provide you with a passcode verbally.
If you don’t have a passcode to enter into the pop-up box you will receive a message stating that your action cannot be authorized at this time. Once you click Close on this message, the activity is cancelled. So if someone other than you is trying to do any maintenance or transaction items on your account and gets the pop up box, they won’t be able to go any further without the passcode which would’ve gone to your mobile device, thus providing and additional layer of security on your online banking.
Online Banking and Bill Pay Guarantee
With First Reliance Bank’s Online Banking and Bill Pay, you can be confident that our high level of security will protect your personal and financial information and that you are covered in the unlikely event of unauthorized transactions or processing delays. You’re covered for any verified, unauthorized online transactions or failure on our part to meet a payment deadline with our Online Banking and Bill Pay Guarantee.
To ensure the highest level of security, we require that all users have browsers that support 128 bit encryption.
First Reliance Bank uses firewalls to help limit entry by anyone without proper authorization. A firewall is a security mechanism that regulates the data going in and out of a network. It is a commonly used, specialized computer, which acts as a shield against data going in or out of a network. It checks to make sure that communications only occur between approved individuals and that the communication is in the proper protocol.
First Reliance Bank does not guarantee the products or services offered on third party sites. You should review the privacy statement of a web site before you provide personal or confidential information. No representation is made, however, regarding the unconditional security of such submissions.
HOW YOU CAN PROTECT YOURSELF
Passwords are a very important part of the online banking process. When you sign up for Online Banking, you will receive special Login Codes assigned by First Reliance Bank. These codes are for your use only. We highly recommend that you follow these guidelines when securing your codes:
- Do not reveal your codes to anyone.
- Avoid selecting codes based on personal information.
- Avoid keeping written records of your codes.
- Do not leave your computer unattended when connected to Online Banking.
If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately during normal business hours at 888.543.5510 or after hours or on weekends call 1-800-237-8990 to report debit card fraud.
We do not pass your account numbers over the Internet. When you fill out your application, you will be asked to select nicknames for your accounts. These nicknames, also known as “pseudo names”, overwrite your account number so you have easy recognition without the risk.
Tips for Stronger Passwords
Passwords are an important part of computer security. A password tells a computer and/or network that you are who you say you are. Because your password allows you access to private information and to conduct transactions using your bank accounts, it should be safeguarded, carefully chosen and difficult for someone else to guess. Below are some helpful tips for creating and protecting your password.
Do not use any of the following for passwords:
- Any part of your name – first, last or middle
- Your initials
- Your social security number
- Names of friends, family or pets
- Phone numbers or addresses
- Any other personal information that could be guessed
- Common place names
- Words that can be found in English or other language dictionaries
- Your user name or login name
- Repetition of the same letter
- Sequences of keyboard keys, such as “12345” or “qwerty”
- Any minor variation of the above, such as spelling backwards or adding a number in front of or behind a word
Do use the following:
- Alpha-numeric passwords using special characters with a minimum of 6 characters.
- Make up your own acronym. Create a phrase that has meaning for you, and use the first, second or last letter of each word as the password. For example, “I like to go for bike rides” could be il2g4br or “We paid seven bills online today” could be ea7ino.
- Make up your own words that are easy to pronounce, but aren’t in any dictionary. “You are too unique” becomes ur2unek.
- Use the license plate method. Use a phrase, and then squeeze it together. “Panthers are #1” becomes pnthrsr1.
- Misspelled words. Coffee becomes kauphy.
- Remove vowels from a word or phrase and add a number. “Computer” becomes cmptr8.
Protect your password:
- Memorize your password. Do not write them down.
- If you suspect that your password has been compromised, change it immediately.
- Never share your password with others, even while on vacation. You are ultimately responsible for any activity that occurs under your user name.
- Don’t hint at the format of your password. (e.g., it’s a family name)
Protect Yourself from Fraudulent Web Sites and Phishing
Personal information shared over the Internet can be used to commit fraud. One common method is for thieves to create a web site using a name that is similar to that of a reputable business, for instance by using a common misspelling of the company’s name. The intent is to lure you into clicking onto the copycat web site and giving your personal information, including your account number and password. We caution you to make sure of whom you are dealing with over the Internet and to understand what will be done with your information. Always check that you have typed the correct web site address before entering personal information onto a site. For more detail on steps you can take to protect yourself, we suggest that you review guidelines provided by the FDIC.
Phishing is a type of online fraud where you are tricked into providing your personal information through your computer. By posing as individuals or organizations you know, trust and maybe have relationships with, “phishers” seek to obtain your computer passwords, credit card numbers or bank account information so they can use them fraudulently.
Perform a periodic risk assessment and controls evaluation
For Business customers with account delegation, establish a periodic (quarterly/semi-annual/annual) review process to ensure user access and entitlements are still valid.
Extended Validation (EV) SSL
First Reliance Bank uses Extended Validation Secure Socket Layer Certificates (EV SSL) which works with high security browsers, to help you recognize when you are at the legitimate First Reliance site and not a “spoofed” site created by fraudsters for purposes of illegally obtaining your personal and financial information. EV SSL signifies that First Reliance Bank has passed a rigorous identity authentication process, and triggers the browser address bar to display https:// and turn green in Internet Explorer. So when you visit pnc online, look for the green address bar (or a variation of the green bar if other than IE) and be sure to verify that the owner of the First Reliance Bank site you are intending to visit is indeed First Reliance Bank.
Browsers and Encryption
First Reliance Bank’s standards are among the highest on the Internet. For accessing our secure applications, such as Online Banking, First Reliance requires that your browser support SSL and 128-bit. It is important that you regularly update your browser in order to ensure that you are protected from the latest security vulnerabilities.
Clearing Your Internet Browser’s Cache and History
To ensure your privacy, we recommend that you clear the Internet browser’s cache and history after visiting any First Reliance Bank web site. Internet browsing software, such as Microsoft Internet Explorer and Netscape, stores or “caches” content of web sites visited during online sessions to display pages previously viewed more quickly. Additionally, the Internet browser’s history list tracks web site addresses you visit. Clearing your browser’s cache and history ensures that other people using the computer (particularly public computers) do not have access to your session information. If you don’t know how to clear your cache we recommend you Google instructions for the browser version you are using.
Internet Security Measures
Any sensitive personal information that you send through First Reliance Bank Online Banking to our web site is held in a secured environment, protected by tools such as firewalls and/or database field encryption. Please do not send any sensitive or personal information over personal e-mail account.
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