Business Online Banking 5.0 Upgrade
On January 12, 2015, we will be upgrading Business Online Banking. This upgrade will include enhancements designed to provide more efficient cash management services and integration capabilities. This upgrade will also change 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.
Holiday Shopping Tips
In advance of the holiday season, the FBI’s Internet Crime Complaint Center reminds shoppers to beware of cyber criminals and their aggressive and creative ways to steal money and personal information.
Scammers use many techniques to fool potential victims including fraudulent auction sales, reshipping merchandise purchased with a stolen credit card, sale of fraudulent or stolen gift cards through auction sites at discounted prices, and phishing e-mails advertising brand name merchandise for bargain prices or e-mails promoting the sale of merchandise that ends up being a counterfeit product.
Here are some tips from the FBI that you can use to avoid becoming a victim of cyber fraud:
• Do not respond to unsolicited (spam) e-mail.
• Do not click on links contained within an unsolicited e-mail.
• Be cautious of e-mail claiming to contain pictures in attached files, as the files may contain viruses. Only open attachments from known senders. Always run a virus scan on attachment before opening.
• Avoid filling out forms contained in e-mail messages that ask for personal information.
• Always compare the link in the e-mail to the web address link you are directed to and determine if they match.
• Log on directly to the official Web site for the business identified in the e-mail, instead of “linking” to it from an unsolicited e-mail. If the e-mail appears to be from your bank, credit card issuer, or other company you deal with frequently, your statements or official correspondence from the business will provide the proper contact information.
• Contact the actual business that supposedly sent the e-mail to verify that the e-mail is genuine.
• If you are requested to act quickly or there is an emergency, it may be a scam. Fraudsters create a sense of urgency to get you to act impulsively.
Important Notice of Home Depot and Jewel Osco Debit Card Compromise
As a valued First Bank of Highland Park Client, our primary focus is keeping your personal information safe and secure. We have been notified that some Visa Debit Cards may have been compromised in the course of a third party security breach at both Jewel Osco and Home Depot. Please note that First Bank of Highland Park will continue to monitor your accounts according to our internal anti-fraud procedures however, you should remain vigilant for incidents of fraud and identity theft by regularly reviewing your account statements and monitoring your credit reports. If you discover any suspicious or fraudulent activity on your accounts, be sure to report it to a Personal Banker immediately at 847-432-7800.
Jewel Osco has confirmed a credit and debit card compromise has occurred during the period of June 22, 2014 and July 17, 2014. More details about the breach can be found on the Jewel Osco website. http://www.jewelosco.com/2014/08/ab-acquisition-llc-confirms-incident-involving-payment-card-data-processing/
Home Depot has confirmed that their payment security systems have been breached, which could impact customers using payment cards at its stores in the United States and Canada. More details about the breach can be found on the Home Depot website. https://corporate.homedepot.com/mediacenter/pages/statement1.aspx
Online Banking Information
Effective Thursday, June 5th, 2014, the image and passphrase will no longer be displayed on the password page. You can easily verify this site’s identity and security by looking for the green website address bar on the password page. Your accounts will continue to be protected through advanced device forensics that seamlessly authenticates your computer and various devices.
Sample website address bar:
ID Theft & Fraud
For your online safety, First Bank of Highland Park will never email passwords or account number(s) and we will never ask for your password or account number(s) in an email. Do not use the links in an email, instant message, or chat to get to our web page or to your online bank/bill pay account.
To learn more simply click the tutorial below to view our ID Theft & Fraud video.
Compromised Visa Debit Card Update
As a valued First Bank of Highland Park Client, our primary focus is keeping your personal information safe and secure. We have been notified that some Visa Debit Cards may have been compromised in the course of a third party security breach. This incident continues to be investigated by the processor, the card associations and law enforcement agencies.
Important things you should know:
The compromise affected purchases made at U.S. Target stores (not online) between 27 November and 15 December 2013. This includes all major debit and credit cards (Visa, MasterCard, Discover, American Express, etc.).
Your account is protected by Visa’s Zero Liability Policy which ensures that you are not responsible for unauthorized purchases made on your First Bank of Highland Park Visa Debit Card, whether you shop in a store, over the phone, or online.
First Bank of Highland Park has ordered replacement cards for Clients affected by the security breach.
Always review your account activity on a regular basis and report any unauthorized transactions immediately by calling Deposit Operations Department at (847) 432-7800.
You can also order a free credit report from each bureau on an annual basis by calling (877) 322-8228 or by going to www.annualcreditreport.com.
If you see anything you don’t understand, call the credit agency on the report or the following numbers: Equifax – (800) 685-1111, Experian – (888) 397-3742, Trans Union – (800) 888-4213.
We will continue to provide you with updates and more information as it becomes available to us. Also, please note that First Bank of Highland Park will continue to monitor your accounts according to our internal anti-fraud procedures. If you have any questions please call us at (847) 432-7800.
Important Notice from Target: unauthorized access to payment card data in U.S. stores
Target has announced a compromise of credit and debit card data at its US stores from Nov. 27, 2013 through Dec. 15, 2013. You should remain vigilant for incidents of fraud and identity theft by regularly reviewing your account statements and monitoring your credit reports. If you discover any suspicious or fraudulent activity on your accounts, be sure to report it to a Personal Banker immediately at 847-432-7800. For more information regarding the data breach please refer to the letter issued by Target’s corporate office.
A strong password consists of 8-12 alpha numeric characters. Your User ID combined with your password can be used to access money in your Account(s) and to access information about these Account(s). You should safeguard your information by protecting your password and keeping it secure with the same degree of care and secrecy that you use to protect your ATM security code and other sensitive financial data.
If you have questions about creating a stronger password, please contact a Personal Banker today at 847-432-7800.
The MasterCard and Visa networks have advised that effective January 27, 2013, U.S. merchants will have the option of adding a surcharge to certain credit card point-of-sale (POS) transactions. Surcharges are prohibited on debit and prepaid card transactions, and in those states that prohibit surcharges.
Additional information, including merchant surcharge guidelines and disclosure requirements, is available from MasterCard and Visa at the following URLs:
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports from consumers who received an e-mail that has the appearance of being sent from the FDIC. The e-mail informs the recipient that "in cooperation with the Department of Homeland Security, federal, state and local governments..." the FDIC has withdrawn deposit insurance from the recipient's account "due to activity that violates the Patriot Act." It further states deposit insurance will remain suspended until identity and account information can be verified using a system called "IDVerify." If consumers go to the link provided in the e-mail, it is suspected they will be asked for personal or confidential information, or malicious software may be loaded onto the recipient's computer.
This e-mail is fraudulent. It was not sent by the FDIC. It is an attempt to obtain personal information from consumers. Financial institutions and consumers should NOT access the link provided within the body of the e-mail and should NOT under any circumstances provide any personal information through this media.
The FDIC is attempting to identify the source of the e-mails and disrupt the transmission.