Alerts

Beneficial Ownership Certification Information

Effective May 11, 2018, all financial institutions, including First Bank of Highland Park, are required to collect and verify the personal information for the beneficial owners who own, control and profit from legal entities when those legal entities open accounts. Click here for more information.


Personal Mobile Banking
New Features Coming Soon

First Bank of Highland Park will be updating our Personal Mobile Banking Application with Mobile Device Enrollment and User Management. Details of these new features are described below:

Mobile Device Enrollment

Mobile Device Enrollment allows users to enroll in Personal Online and Mobile Banking via their smartphone by completing a short series of enrollment questions. Enrollment is only available for smartphone devices and not available for tablet devices.

To enroll through the Personal Mobile Banking Application begin by downloading the First Bank of Highland Park (FBHP) application from either iTunes or Google Play.

• Launch the application and the registration process starts by prompting the user to provide required information.

• After providing this information, the application presents out-of-wallet questions to the user to answer about themselves. After successfully answering these questions the enrollment will continue.

• Users will create a username and password. The username should include between 4-19 characters; any combination of letters and numbers; no special characters are required; and is case sensitive. The new password must include between 8-17 characters; at least 1 upper case letter and 1 lower case letter; no special characters are required; and is case sensitive. These credentials enable the user to log in to Mobile or Personal Online Banking.

• The registration process will prompt users to select and provide answers for multifactor authentication questions.

• For security purposes, after successful enrollment, the application signs the user out and the user must sign in again.

Note: During enrollment, users will be prompted to accept the Personal Online Terms & Conditions. Upon the first sign in to the Mobile Banking application, the application will prompt the user to accept the Mobile Banking and Mobile Capture Terms & Conditions.


User Management

User Management allows users to change or reset forgotten passwords directly from their Mobile Device. By changing a password within the Mobile Banking Application it also updates Personal Online Banking. User Management is available for smartphone devices only and not available for tablet devices.

To reset passwords, users will complete the following steps:

• Launch the Personal Mobile Banking Application on a smartphone.
• On the sign-in screen, tap the Reset Password button. The Forgotten Password screen will appear.
• Provide the information requested on the screen. Then tap the Reset Password button.
• Verification questions will appear for confirmation.
• Once the questions are answered successfully, tap the Reset Password button. The program will send a temporary password to the user’s email address the Bank has on file. The temporary password received will expire within 30 minutes.
• Type in the temporary password. The system will ask for a new password and then confirmation of the new password. The new password must include between 8-17 characters and at least 1 upper case letter and 1 lower case letter.
• For security purposes, after processing password changes or enrollment completion, the program signs the user out and the user must sign in again.

Note: Too many attempts to log-in with an invalid password will require the user to call First Bank of Highland Park (847-432-7800) for further assistance.


NACHA Same-Day ACH Origination - Phase III

Effective March 16, 2018

The third phase of the New Same-Day ACH Origination rules change is scheduled for March 16, 2018.  That day, Receiving Depository Financial Institutions (RDFIs) must make funds available from Same-Day Automated Clearing House (ACH) credits to client accounts no later than 5 PM at the RDFI’s local time.   This differs from Phase I & II as the credit was to be provided at the end of the RDFI’s processing day, which could have been much later than 5 PM.   Transactions greater than $25,000, International ACH transactions (IAT), and Automated Enrollment (ENR) are transactions ineligible for same-day processing by the ACH network. Please consult your First Bank of Highland Park ACH Agreement for further details and cutoff times. Click here for more information.


CEO and Business Email Compromise (BEC) Fraud Awareness

What is CEO Fraud?

CEO Fraud, also known as Business Email Compromise (BEC) Fraud, is a type of targeted attack that commonly involves a cybercriminal pretending to be the CEO or another senior executive from your organization, then tricking you into releasing highly sensitive information or initiating a wire transfer. Click here to find out how CEO Fraud is carried out and ways to avoid it.

     2017 CEO Fraud Alert

 

Important Information Regarding your Online Banking and Internet Browser

In order to maintain the highest level of internet security there are some important improvements being made that may impact internet browser (e.g. Internet Explorer, Google Chrome, Firefox, and Safari) compatibility with our online banking platforms.

On Tuesday, April 11, 2017, an upgrade to our website security will take place.  This upgrade is necessary to continue to protect your information by securely encrypting your connection and to maintain privacy and confidentiality.  The majority of browsers are already compatible by default. Please review the below list for compatibility and to determine if an update to your browser is necessary.  We encourage you to have your computer compatible with this upgrade so that you do not experience unnecessary service interruption.  The links included below provide instructions on how to determine the version of browser being used and instructions  on how to upgrade your browser, if necessary. 

Browsers and Operating Systems TLS 1.2 Compatibility Notes Link to Upgrading Instructions
Microsoft Edge Compatible by default  
Microsoft IE Desktop and Mobile version 11 Compatible by default Internet Explorer upgrading instructions
Firefox 27 and higher Compatible by default  Firefox upgrading instructions
Google Chrome 38 and higher Compatible by default Google Chrome upgrading instructions
Mobile Safari versions 5 and higher Compatible by default Safari upgrading instructions
 
Microsoft Windows 7,8,8.1 and 10
Compatible by default See the above Microsoft IE instructions
Microsoft XP/Vista and below Not Compatible with TLS 1.2  

 

Federal Trade Commission

The Federal Trade Commission has long provided advice to consumers about steps they can take to avoid phishing scams. On March 6, 2017, the FTC released tips and a video for businesses on how to respond if they are impersonated as part of a phishing scam. Among the steps businesses should take include notifying customers as soon as possible through social media, email or letters; contacting law enforcement; providing resources for affected consumers; and reviewing the company’s security practices.

Please visit the Federal Trade Commission’s website for more details.


Visa Debit Card Purchase Alerts

Visa Purchase Alerts

Now you have more tools available for tracking your Visa Debit Card activity. With Visa Purchase Alerts powered by Visa, you can receive near real-time updates via text message or email. You can also act quickly to help reduce fraud and monitor your account, wherever you are. Visa Purchase Alerts powered by Visa is free for First Bank of Highland Park Visa Debit cardholders. Sign up at www.visa.com/purchasealerts

Disclosure: Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply. Message and data rates may apply. Consult your cell phone service provider for details. 


IBM® Security Trusteer Rapport™

FREE downloadable fraud protection

Online fraud protection software that provides extra security while you are signed on to FBHP online banking.  It works in conjunction with your current anti-virus solution but is not meant to replace it.

The Internet offers massive advantages, conveniences and opportunities convenient for you or your business. With such access, various security risks are unearthed for cybercriminals. That’s why you need Trusteer Rapport.

With Trusteer Rapport you can remove and prevent financial malware infections, stop phishing attacks, and protect your sensitive data.

Protect yourself today! When you login to your online bank account, you will be asked to download Trusteer Rapport. Once you click the “Download Now” button, the software will download within seconds and work in the background to protect your account.


Trusteer banner


Business Online Banking 5.0 Upgrade

We upgraded Business Online Banking.  This upgrade includes enhancements designed to provide more efficient cash management services and integration capabilities.  This upgrade also changes the minimum internet browser and operating system requirements.  Click here to view the “Certified Browsers and System Requirements” to ensure your current internet browser and operating system will remain compatible with Business Online Banking.


Here are some tips from the FBI that you can use to avoid becoming a victim of cyber fraud: