At First Pioneer National Bank, the security of customer information is a priority. We understand your trust in us depends on how well we keep your personal, business and account information secure. Our Customer Information Security Policy is comprehensive, proactive and designed to ensure that information about you is secure whether you bank with us at our branch locations, at our ATMs, or online or by mobile device.
First Pioneer National Bank has adapted to the future of financial services. In order to better protect our customers, we have migrated from our current website to a new web identity – www.fpnb.bank. The www.fpnb.bank environment provides an increased level of security to our customers and business partners.
To mitigate key online threats and vulnerabilities impacting First Pioneer National Bank and our customers, the www.fpnb.bank Security Requirements include:
- Verification and re-verification of charter/licensure/authorized person/names for regulated entities to ensure only legitimate members of the global banking community are awarded domain names.
- Multi-factor authentication by registry and registrars to ensure that any change to registration data is made only by authorized users of the registered entity thereby reducing the risk of an unauthorized individual or organization fraudulently transferring or interrupting service of our domain name.
- Domain Name System Security Extensions (DNSSEC) to ensure internet users are landing on legitimate websites and not being misdirected to malicious ones.
- Email Authentication to ensure brand protection by mitigating spoofing, phishing and other malicious email-borne activities.
- Strong encryption (i.e., Transport Layer Security) to ensure confidentiality and integrity of communications and transactions over the internet.
- Prohibition on proxy/privacy registration services to ensure full disclosure of domain registration information so bad actors cannot hide.
We expect this transformation to benefit you, our customer, in the following ways:
- Easily identifiable website
- More trusted and secure online communications and transactions
- Stronger protection against future cyber security risks
In order to protect the information being gathered, our site has security measures in place including firewalls, encryption, and authenticated access to internal databases where needed. We provide Internet access to your banking accounts through highly secure, password-protected systems that are guarded by firewalls and monitoring systems. Your financial information is protected by 128-bit encryption as it travels between our servers and your computer. Look for security certificates, locked padlock symbols and the https: designation as indications of our commitment to your online security.
Login Protection for Pioneer NetTeller Users
Every Pioneer NetTeller user must privately maintain a combination of a password and User ID to use the system. Because the user is assigned the original password by the Bank, Pioneer NetTeller requires the user to change the password on initial login to the system and before any transactions can be requested. This requires the user to establish an absolutely private password. If the password is lost or forgotten, the Pioneer NetTeller User or Bank will be able to reset passwords once the user’s identity has been confirmed.
Three Strikes and You’re Out
If an unauthorized person attempts entry into a user’s account by trying to guess a User ID or password, Pioneer NetTeller will disable the password on the third incorrect attempt, thus disabling the login combination. If you accidentally activate this security feature by incorrectly inputting a password three times, you would need to contact First Pioneer National Bank to re-enable the password for your account. For example, a common mistake made by users is to have the CAPS-LOCK turned on while keying in a password.
To further protect you, a time-out feature is built into the Pioneer NetTeller system. This feature will automatically log you out of your current session after a 10 minute period of inactivity.
Protecting Yourself Online
- Never share your access codes (User ID and password) with anyone.
- Change your access codes on a regular basis. If you think your access codes have been compromised, change them and contact us immediately. Passwords should be strong. Security experts advise a combination of letters, numbers and symbols.
- Use only the secure message service provided within Pioneer NetTeller when sending or requesting account information.
- Consider using a personal firewall to prevent hackers from invading your personal computer, especially if you are using DSL or a cable modem to access the Internet.
- Install and regularly update anti-virus software on all your devices that allow internet access. Also install anti-spyware and malware protection programs on all your devices. Scan all downloaded software, diskettes or flash drives before use, and delete emails with attachments from unknown sources.
- When you are done with your transactions, always sign off and log out properly – follow Pioneer NetTeller exit procedures. When using a public PC (such as in a library or school), also close the browser when you are finished.
Understanding the risks is a critical step in protecting yourself online. Here are some threats to watch for:
- Phishing – Lures you to a fake website (one that looks like a trusted financial institution) and tricks you into “verifying” personal information, such as account numbers and passwords.
- Pharming – Similar to phishing, pharming seeks to obtain personal information by directing you to a copycat website where your information is stolen, usually from a legitimate-looking form.
- Malware – Short for malicious software, often included in spam emails, this can take control of your computer without your knowledge and forward to fraudsters your personal information such as IDs, passwords, account numbers and PINs.
- Data Breach – An electronic breach of a proprietary file that contains personal information that could potentially lead to identity theft, including Social Security numbers, financial account information, driver’s license numbers and medical information.
For more information on protecting yourself online please visit:
National Cyber Security Alliance
U.S. Government’s Online Safety Site
Protecting Your Mobile Device
Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals. First Pioneer National Bank recommends following these tips to keep your information – and your money – safe.
- Use the passcode lock on your smartphone and other devices. Depending on what security options are available on your device, choose a “strong” password (consisting of unusual combinations of upper- and lower-case letters, numbers and symbols) or PIN (with random numbers instead of, say, 1234 or the last four digits of your Social Security number) and periodically change it. Never leave your device unattended. Be sure you enable the “time-out” or “auto-lock” feature that secures your mobile device when it is left unused for a certain period of time. This will make it more difficult for thieves to access your information if your device is lost or stolen.
- Log out completely when you finish a mobile banking session.
- Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
- Research any application (“app”) before downloading it. Apps can contain malicious software, worms and viruses. Beware of apps that ask for unnecessary “permissions”. Just because the name of an app resembles the name of your bank – or another company you are familiar with – don’t assume that it is the official one of that bank or company. It could be a fraudulent app designed to trick users into believing that the service is legitimate. Also, be sure to protect your financial apps, ideally with a password that is different from the password for your device.
- Regularly download the updates for your phone and mobile apps.
- Avoid storing sensitive information like passwords or Social Security numbers on your mobile device.
- Take additional precautions in case your device is lost or stolen. Check with your wireless provider in advance to find out about features that enable you to remotely erase content or turnoff access to your device or account if you lose your phone. Quickly contact First Pioneer National Bank to let us know about the loss or theft of your device. Notifying the Bank quickly will help prevent or resolve problems with unauthorized transactions. Tell us immediately if you change your phone number.
- Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information. Don’t use an unsecured Wi-Fi network, such as those found at coffee shops, because fraud artists might be able to access the information you are transmitting or viewing.
- Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
- Report any suspected fraud to First Pioneer National Bank immediately.