Far East National Bank is committed to keeping your financial information safe and secure when you bank with us online.
How We Protect You
Regulation E Protection
Under protections provided by Regulation E (Electronic Fund Transfer Act), consumers may recover losses when there is unauthorized account activity according to how soon they are reported. In general, these protections cover electronic fund transfer activity through consumer accounts used primarily for personal, family, or household purposes. Refer to our Electronic Fund Transfer Agreement and Disclosure for more information about Regulation E protection.
Online Banking Features
Our online banking services provide safeguards to protect your personal information.
- We use Complex Device Identification, which is a more secure and behind the scenes process to validate your device (e.g. PC, laptop, tablet, mobile phone), username, and password.
- Out-of-Band authentication is used as an additional form of identification when you sign in from a device that is not recognized. This method is also used to verify your identity if you forget your password and need to reset it.
- We use user ID harvesting prevention to block the ability to easily determine if a user ID is valid.
- Business Internet Banking uses an additional layer of security for higher risk transactions which requires both a Personal Identification Number (PIN) and a unique, one-time passcode that changes.
- Online banking data is encrypted using 128-bit (highest level) Secure Sockets Layer (SSL) technology with supported browsers.
- You will never be presented with a maintenance page after entering login credentials. Legitimate maintenance pages are displayed when first reaching the URL and before entering login credentials.
- We do not use pop-up windows to display login message or errors. They are displayed directly on the login screen.
- We never display pop-up messages indicating that you cannot use your current browser.
- Error messages never include an amount of time to wait before trying to login again.
How to Protect Yourself
General Online Banking Tips
Here are some things you can do to help protect yourself:
- Do not use public or other unsecured computers for logging into online banking.
- Check the last login date and time every time you login.
- Change your user ID and passwords regularly and use combinations of letters, numbers, and special characters (e.g., #, @, etc).
- Do not use your personal information (such as your social security number or birth date) as a user ID or password.
- Protect your user ID and passwords. Do not write them down, store them on your computer or other devices, or share them with anyone.
- Review account balances and detail transactions regularly (preferably daily) to confirm transaction activity and immediately report any suspicious transactions to us.
- Use a personal firewall on your computer and keep anti-virus software updated.
- Be wary of suspicious emails and/or text messages. Do not open emails, open attachments or click on links from unknown sources.
- Do not respond to emails and/or text messages that request private or financial information from you.
- Set up system alerts to receive notification of account activity quickly; including:
- Balance alerts
- Transfer alerts
- Password change alerts
Business Internet Banking (BIB) Tips
Business Internet Banking (BIB) customers should perform an internal risk assessment and evaluate your internal controls on a periodic basis. In addition to performing a risk assessment and controls evaluation, BIB customers should also consider implementing the following measures to ensure online security.
- Establish system alerts to receive notification of account activity such as ACH and Wire alerts.
- Require multiple approvals for monetary transactions over a certain dollar threshold.
- Require separate entry and approval users.
- Establish transaction dollar limits for employees who initiate and approve online payments such as ACH batches, wire transfers, and account transfers.
- Review account statements and audit reports to monitor user activity.