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URGENT MESSAGE
ABOUT PHISHING!
Many banks... have implemented the same process that
Tri-County Bank has, to strengthen on-line bank logins to
help combat risks such as phishing.
However, we are now learning that phishing has already
begun as it relates to this
new process.
Phishers simply browse a website, grab screen shots of a
bank's login page and mount a copy of that page onto
another server. From there, a Phisher begins targeting
customers like you by sending "e-mails" which appear
to be from a bank, and it could appear to be from
Tri-County Bank, taking you to a spoofed
log-in page where
they trick and ask you to click on a
link and reveal confidential account information.
IMPORTANT... NEVER, NEVER ACCESS
YOUR ON-LINE BANKING FROM AN
"E-MAIL" MESSAGE!
Tri-County Bank... does send out periodic
e-mails with our Electronic
Newsletters attached,
but we will NEVER ask
for personal banking information in any e-mail!
You should ignore any and all e-mails requesting
any type of personal information! THE REAL
PROCESS FOR "IDENTITY VERIFICATION" IS:
(see below)
Once you enter your NetBANKING On-Line Login
Page and are actually doing on-line banking
activity--only then will you be prompted and asked to
choose several security questions that only you know
the answers to for future identity verification. AGAIN, and
we'll repeat... you will never be requested to enter personal
information THROUGH AN E-MAIL REQUEST!
If you have any questions, please don't hesitate
to contact a Personal Banker at either of our Tri-County
Bank locations. |
ON-LINE
SECURITY
PROTECTION:
Dear
Tri-County
Bank
Customer...
We're
proud to
announce
our
free
identity
verification
feature,
which
was launched
in
December
2006.
What
is the
new
security
feature?
In
order to
make
your
online
banking
experience
as
secure
as
possible
we
introduced
a new
security
feature
that
watches
for
uncharacteristic
or
unusual
behavior
involving
your
on-line
banking
activity.
If
anything
out of
the
ordinary
is
detected,
we will
ask you
to
verify
your
identity.
How
does it
work?
In
the rare
case we
detect
any
unusual
or
uncharacteristic
activity,
we will
ask you
to
answer
security
questions
to make
sure
that
it's
really
you.
Most of
the time
you
won't
notice
that
the
security
feature
is even
there,
but it
will
still be
protecting
you
24 / 7.
Do I
need to
sign up
for the
new
security
system?
Expect
to be
prompted
at some
point
while
banking
online
to enter
additional
information.
This may
include
choosing
several
security
questions
that
only you
know the
answers
to.
Once
this
occurs
you have
added a
layer of
protection
to your
account!
Below
are
"Frequently
Asked
Questions"
(FAQ)
that
will
help
you
understand
this new
On-Line
Account
Protection
Service:
"FAQ"
(1)
Why is
my
online
banking
experience
changing?
In order
to make
your
online
banking
experience
as
secure
as
possible
we introduced a new
security
feature
in
December
'06.
Most of
the
time
your
online
banking
experience
will be
the same
as it
was
before,
only now
you will
have an
extra
layer of
security
working
behind-the-scenes
to
protect
your
account.
The new
security
may –
very
infrequently
–prompt
you to
verify
your
identify
before
continuing.
This
means
you can
now bank
online
with a
renewed
sense of
confidence.
(2)
What is
this new
security
system?
As our
customer,
we know
how you
typically
behave:
what
types
of
transactions
you
conduct,
when and
from
where.
If we
detect
any
activity
that
does not
seem
like
your
typical
behavior,
we will
prompt
you to
further
verify
your
identity—so
that we
can
ensure
it is
you and
not a
fraudster
attempting
to
comprise
your
account.
This
will
only
happen
on rare
occasions.
Normally
you will
not be
asked
for any
additional
information.
For
example,
if
someone
tries to
sign in
with
your
user
name and
password
from a
computer
in a
foreign
country
shortly
after
you have
logged
off
from
your
normal
computer
at home,
we may
decide
to
verify
that it
is
really
you
trying
to
access
your
account.
(3) How
do I
sign up
for the
new
security
system?
Expect
to be
prompted
at some
point
while
banking
online
to
enter
additional
information.
This may
include
choosing
several
security
questions
that
only you
know the
answers
to. Once
his
occurs
you have
added a
layer of
protection
to your
account!
(4)
When
will I
be asked
for more
information?
You will
only be
prompted
to enter
additional
information
when
a
particular
activity
or
transaction
appears
to be
unusual
or
uncharacteristic
of your
typical
behavior.
You will
also be
prompted
to enter
your
information
when you
are
first
prompted
to set
up your
security
information.
(5)
What
additional
information
will I
be
asked?
If any
unusual
or
uncharacteristic
behavior
is
detected
you will
be asked
to
answer
several
of the
security
questions
you
chose.
(6)
What is
unusual
or
uncharacteristic
behavior?
Uncharacteristic
or
unusual
behavior
is
anything
that
appears
out-of-the-ordinary
compared
to how
you
normally
would
bank
online
and
where
you
normally
bank
online.
If the
action
being
requested
does not
appear
to be
something
you
would
normally
do, we
will ask
you for
more
information
to make
sure it
is
really
you and
not an
unauthorized
user.
(7) How
are you
able to
detect
unusual
or
uncharacteristic
behavior?
The
security
system
takes
into
account
factors
such as
the
type of
transactions
you
ordinarily
perform,
the
computers
you
typically
use to
access
your
account,
or the
typical
security
settings.
Hundreds
of
factors,
such as
these,
create a
profile
that is
unique
to you
that
allows
the
system
to make
decisions
about
whether
the
person
conducting
a given
activity
and
transaction
within
your
account
appears
to be
really
you.
(8) Will
I be
asked
for more
information
all
the time
now?
No,
you will
only be
asked
for more
information
when
unusual
or
uncharacteristic
behavior
is
detected.
This
will
most
likely
be a
very
rare
occurrence.
(9) How
do I
know it
is
working?
You
only
need to
complete
the
set-up
process
once;
afterwards
the new
security
system
will
work
automatically.
That
means
you are
being
protected
every
moment —
when you
are
online
and more
importantly
when you
are not.
(10) Is
my
personal
information
still
safe?
Yes. In
fact,
your
personal
information
is safer
than
ever
before
because
we are
making
sure it
is
really
you and
not an
unauthorized
user
trying
to
access
your
information.
(11) How
will
this
help
prevent
online
fraud?
If
your
user
name and
password
are
stolen,
the
fraudster
would
have to
be able
to
answer
your
security
questions
correctly
to
access
your
account
or
complete
a
fraudulent
transaction.
If the
user is
unable
to
provide
this
information,
the
activity
would be
blocked.
This
added
layer of
security
helps us
protect
your
online
account
at all
times.
(12) I
check my
account
very
often,
wouldn’t
I
know if
something
unusual
showed
up
on
my
account?
It is
great
you
check
your
account!
It is
always a
good
idea to
regularly
monitor
your
account
for any
unusual
activity
(like
payments
you
didn’t
make).
This
security
service
helps
prevent
those
incidences
from
ever
occurring,
so when
you
check
your
account
everything
is
exactly
how it
should
be.
(13) I
already
have
anti-virus
and a
personal
firewall.
Why do I
need
this?
We
are glad
to hear
you use
antivirus
and a
personal
firewall.
Be sure
that you
keep
both
software
programs
up-to-date
for the
best
possible
protection
against
viruses,
Trojans,
and
hackers.
This new
security
feature
protects
against
other
kinds of
threats
such as
a stolen
user
name and
password.
It works
with
your
other
personal
security
programs,
but it
does not
replace
them.
