Protect Yourself Online
At Texas Bank and Trust, Security is of the upmost importance. The following “tips” can help you protect your information when using our Electronic Banking Services.
Electronic Banking Best Practices
- If you feel that your login information has been compromised, change your password immediately and contact our T3 Support at (903) 237-1881.
- Do not share your login information with anyone else.
- Choose a hard-to-guess password by using a random combination of letters, numbers, and/or special characters. Do not use words that can be found in a dictionary or information related to you, such as your name, address, birth date, etc.
- Be sure to change your password regularly.
- Disable auto-complete or similar features on any computer you use for online banking.
- It’s recommended that you do not write-down your ID’s or Passwords.
- Remember to log-out when you are finished banking online or are leaving the computer unattended.
- Avoid using unfamiliar computers to conduct any electronic banking, as they may be compromised and avoid using public Internet access points.
- Avoid using regular email to share information about your account with Texas Bank and Trust.
- Establish account alerts.
- Surf the internet carefully.
- Block Pop-Ups and downloads from Un-trusted sites.
Safe Guarding your Personal Computer
- Keep your system and applications current by running scheduled updates.
- Install & maintain real-time anti-virus & anti-spyware desktop firewall & malware detection & removal software.
- Install and maintain Spam Filters.
- Allow for automatic updates and use these tools regularly to scan your computer.
- Use a software or hardware firewall/router to protect your computer from unauthorized network intrusion
- Make sure that any wireless network to which you connect your computer is secure and requires data encryption.
- Change the default passwords on all routers/network devices.
- Do not download files, install software or open email attachments from unverified or unknown sources.
- Note any changes in the performance of your computer. Such as- Dramatic loss of speed, computer locks up, unexpected rebooting, unusual pop-ups, etc.
Other Helpful Tips
Balance Accounts daily.
Review your current transactions daily and contact Texas Bank and Trust if you notice any unusual or suspicious items.
Use a secure browser.
Check that your browser is compliant with Secure Socket Layer (SSL) standards by looking for the small padlock at the bottom right of your browser window and a URL that begins with https ("s" for "secure"). This ensures your private information is scrambled to prevent unauthorized access.
Be wary of phishing emails.
These may appear to be from your bank but are really from criminals trying to lure you to a fake website to get your personal information. Never click on embedded links if you are suspicious; instead, type the URL directly into the browser or contact your bank to verify the authenticity of the email.
Watch out for fraudulent websites.
Always check to see that you have typed the correct website address for your bank before conducting a transaction. Beware of copycat websites that deliberately use a name very similar to that of a real financial institution in an effort to trick you into disclosing personal information.
Beware of pop-ups.
Watch out for sudden pop-up windows asking for personal information or warning of a virus. This is called "scareware" because it frightens people into providing information or downloading malicious software.
Log off and close your browser.
Since browsers cache, or store, information that has been entered or viewed during secure connections, it may be possible to view personal information after you close the session. This is especially important when using a public or shared computer. You reduce this risk by logging off the online banking website (not just clicking the "X" in the top right corner of the browser) and exiting your browser. You may also consider clearing your disk and memory cache (methods vary for how to do this depending on browser type, but usually include adjusting your Internet options).
Texas Bank and Trust will never solicit your personal information by phone, auto-dialer, text message, email or providing links within an email requesting that you update your information. You will not receive any email notification asking you to click a link or visit a website to unlock your account or to provide any private information unless otherwise requested by you through the online banking password self-reset feature. If you receive an email or phone call requesting confidential information from someone claiming to be a representative of Texas Bank and Trust, please do not respond.
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