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Fraud Protection and Training

New Educational Courses—How to Protect Your Business from Cyber Fraud

Cybercrime accounts for losses in the billions each year. Small to mid-sized businesses are favorite targets for cybercriminals; follow the link below to view complimentary training videos on how to protect your business and yourself from one of the fastest growing crimes worldwide. (Requires log-in information below)

  • User ID:           CCBCustomer         
  • Password:        CCBCustomer

Fraud Protection Videos link

 

Is Your Account at Risk for a Takeover?

Account takeovers are one of the fastest growing threats to businesses large and small. What is an account takeover? A takeover is an electronic crime where thieves typically use some form of malicious software (malware) to obtain login credentials to Corporate Online Banking accounts and fraudulently transfer funds from the account(s). If your company transfers funds, initiates wires, or sends payroll files, etc., via the internet then your company is at risk for an account takeover. 

Malware sounds to you like a nasty bug? That’s because it is. It’s responsible for loading all types of viruses and Trojans onto PCs and/or networks that are designed to cause damage. Malware is loaded onto your computer and/or network in various ways. Phishing emails containing links or executable files that download the malware are the most common means used, but the malware can also come from spoofed or otherwise malicious websites, infected USB and other storage devices,  and can even be engineered through social networking sites. The malware then tracks online banking sessions and steals user names and passwords, which allows the thieves to access your Online Banking account and create fraudulent ACH or wire transfers that can drain your account in literally minutes.   

   

What can a business do to protect itself?

  • Education is Key – Train your employees
  • Do not open attachments from email - Be on the alert for suspicious emails. Click here to view Fraudulent Email Samples.
  • Secure your computer and networks - Implement a Network password expiration policy and do not allow employees to use USB or other portable storage devices.
  • Implement dual control procedures for online banking ACH transactions and wire transfers.
  • Protect your password—don’t write it down and don’t share it with others.
  • Consider installing a dedicated computer for online banking transactions that is not used for surfing the Internet or receiving email.
  • Reconcile Accounts Daily.
  • Establish Account Alerts to keep you apprised of activity on your account.
  • Limit Administrative Rights—do not allow employees to install any software without receiving prior approval.
  • Install and Maintain Spam Filters, install and maintain real-time anti-virus & anti-spyware software, as well as a desktop firewall and malware detection and removal software. Allow for automatic updates and scheduled scans.
  • Install network firewalls to prevent unauthorized access. Change the default passwords on all network devices and servers.
  • Install security updates to operating systems and all applications as they become available.
  • Block Pop-Ups.
  • Do not use public Internet access points.
  • Note any changes in the performance of your computer - Dramatic loss of speed, computer locks up, unexpected rebooting, unusual popups, etc.
  • Make sure that your employees know how and to whom to report suspicious activity to at your Company & the Bank.

Contact the Bank if you:

  • Suspect a Fraudulent Transaction
  • If you are trying to process an Online Wire or ACH Batch & you receive a maintenance page.
  • If you receive an email claiming to be from the Bank and it is requesting personal/company information.

 

Consider using the Small Business IT Risk Assessment to evaluate your company’s risk for account takeovers, insider fraud, and other threats. 

 

For additional information about safe online banking and avoiding online scams, visit http://www.fdic.gov/consumers/consumer/guard/

  • Please remember- Premier Community Bank will never request personal information, including account numbers, Social Security numbers, usernames or passwords in e-mail messages, pop-up windows or over the phone.
  • Premier Community Bank will never include unexpected attachments in its
    e-mails to you.
  • If you do click on one of these fraudulent e-mails and realize that your banking information may have been compromised, call your local Premier Community Bank office immediately.

Do not give out financial information online or on the phone unless you initiated the contact and know the party you are dealing with is legitimate. Please note that any contact initiated by you to Premier Community Bank should be through one of our published telephone numbers or in person.