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3 Ways to Protect Yourself Against Mobile Fraud

3 Ways To Protect Yourself Against Mobile Fraud

With the rise of technology, smart phones and tablets are part of almost everything we do. With all the sensitive information we keep digitally, it is important to be aware of mobile fraud and how to prevent hackers from accessing that data. Below are three ways to help protect yourself and your information.

1. Don’t use the same password for all accounts.

password drawn in chalk

In 2019, Google identified that 65% of all people use the same password for multiple or all accounts. By having one password, it makes it easier for hackers to access more of your accounts.

TIP: create an acronym or a phrase and use numbers and special characters to complicate it. For example, instead of using “password” you could use “P@s$w0rD”.

2. Avoid autosaving personal information on mobile apps.

computer with security lock overlay

If a company data is leaked, your saved password could be part of that information. If an unauthorized user has access to your physical device, they can easily find all the saved passwords kept in the browser.

TIP: Keep passwords secure in a book or use a secure password manager.

3. Monitor activity regularly, like reviewing bank transactions.

woman working at a desk

By using online banking or the Moose Mobile app, you have access to real-time transactions. Check your account regularly to ensure you recognize all the transactions coming through.

At First National Bank of Moose Lake, we offer IDTheftSmart for our customers, which is a program that incorporates Credit Monitoring and Restoration of an Identity Theft situation. For more information, contact one of our Personal Bankers at 218-485-4441.

Source: The password reuse problem is a ticking time bomb – Help Net Security

A Warm Welcome

Please join us in welcoming Lydia to our bank family as a Customer Service Representative! Lydia brings over six years of banking experience to our team and is excited to meet our customers and assist them with their deposit needs.

Welcome Lydia!

Lydia, customer service representative

President’s Message

Hello all and welcome to spring! It sure is nice enjoying the longer daylight hours and the warmer weather should be here soon! With spring also comes graduations and our local seniors making future career plans. These plans may include further education for jobs in the trades or other careers. In any case, if you’re considering a private student loan, please check out our website for College Ave whom we partner with for student loans. Remember student loans are not free money and need to be repaid. As I’ve told my children, look at a student loan as money invested in yourself, so put it to good use!

April is Community Banking month, and we pride ourselves on being a “Community Bank”! Our roots run deep in the communities we serve by sponsoring and taking part in events from reading Dr. Suess to elementary students, highway cleanup on two stretches-Hwy 61 & 73, shred events, financial literacy, serving in community organizations to giving back in monitory donations and more.  We also invest in our communities by making loans for everything from home construction, purchase and equity loans to all sorts of business loans.  If you have any loan question, please give us a call. After all, your best interest is in ours too!

A word of caution with the unrest in today’s world, there are warnings of increased cyber-fraud activity. Please think twice before clicking on a link or making or taking a phone call from somebody you don’t expect or recognize. FYI, we will never call you and ask for confidential information.   So, if somebody calls you and says they’re from the Bank and want you to verify the first 4 numbers of your Social Security number or something else confidential, don’t do it! Please hang up and call us and tell us about it.

With my closing words, I pray for all, peace and a blessed Easter with family & friends.

Jerome

Jerome Bennett - President
Jerome Bennett – President

Bill Pay: What’s New

Bill Pay will be upgrading along side our digital banking, which includes online and mobile access. Bill Pay allows your bills to be in one spot. You can create reoccurring payments, see billing statements online, and so much more. If you are a current Bill Pay user, one year of history and your current payees will transfer over. Contact us at 218-485-4441 with any questions.

Bill Pay Ad
Bill Pay explanation: Select, Submit, Sit Back

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Stay Updated With Alerts

Don’t be surprised with the activity in your accounts. Set up text or email alerts for your accounts and be instantly informed! With the alerts, you can set up notifications on account balances, when there are deposits and withdrawals, and if there are any changes to your contact information on your account. Want to know if your account is getting low? You can receive a notification when your balance is below a chosen dollar amount.

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New Mobile Feature: Mobile Deposit

No more rushing to the bank after work to deposit your checks. With mobile deposit, checks can be deposited by using a mobile phone. Simply choose the account you would like to deposit the check in, enter the amount, and take a clear picture of both the front and back of the check.

Make sure you endorse the back of the check by writing “For mobile deposit only” and signing your name. There is a daily limit of $2500.00. Please call us at 218-485-4441 with any questions!

Mobile deposit - save a trip to the bank! Deposit a check from wherever you are.

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2 New Ways to Transfer Money

We have two new ways to transfer money with our updated online banking: A2A and P2P. To help understand the difference between them, look at the chart below!

To find A2A, click on “Account to Account” in your online banking. For P2P, click “Make a Payment.” Once you get to the bill pay screen, click on “Pay a Person” in the top left hand corner. For more information, feel free to call us at 218-485-4441.

Describing the difference between P2P and A2A transfers

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COVID-19 Vaccine Scams

avoid COVID19 scams infographic