Alerts

Scheduled System Maintenance

Please be advised that the following system maintenance is scheduled on Wednesday, August 22, 2018 from 11:00 P.M. to 5:00 A.M. Central Time on Thursday, August 23, 2018. During this time, Personal and Business Online Banking, Personal and Business Mobile Banking may be unavailable. We apologize for any inconvenience this may cause you.


IMPORTANT INFORMATION                                  REGARDING MOBILE DEPOSITS

Due to regulatory changes, effective August 1, 2018, all checks deposited to your account using our Mobile Banking app on your iPhone, Android, or tablet, will need to include a restrictive endorsement that specifies how the deposit was made. Click here for more information regarding Mobile Deposits.

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Business Mobile Banking

First Bank of Highland Park Business Mobile Banking Application has been enhanced with some new features.  Details of these new features are described below:

Android Fingerprint Login

As part of the new release, users with an Android device that allows the setup and registration of a fingerprint can now sign into the Business Mobile Banking app using fingerprint login instead of entering a password.  This feature is similar to the functionality already offered for Apple iPhones. 

Deposit Tiles for all Users

This feature provides the ability for the mobile application to display the Deposit main menu tile to all users, regardless of whether the user’s account is enabled for mobile deposit capture.  If the user account is enabled for mobile deposits, the application will display the Deposit menu.  If the user is not enabled for mobile deposit, the application will display the Deposit menu with a message to contact their financial institution for assistance. 

Auto Populate Account on New Deposit Screen

This enhancement to the New Deposit screen will automatically select the deposit account when only one account is available. 

Limit Loan Payment Types by Account

This enables users making a loan payment to see only the payment types available (i.e. principal, interest or principal and interest). 

Mobile Device and Operating System Updates

The following have been added to our list of approved Mobile Devices and Operating Systems. The updates include:

New Mobile Devices

New Operating Systems

The following list of Mobile Devices have been removed from our approved list.  These devices are no longer supported due to low market usage.


Personal Online Banking Updates

First Bank of Highland Park will be adding new capabilities to our Personal Online Banking. The following enhancements will be available:

• Loan Reporting: On the Account information page for loan accounts, when the user sorts the account’s transaction history by date, the Balance column presents the running balance for the account. When users sort account information by description or amount, the Balance column remains visible, but will not contain balance information. For scheduled loan payments, or older transaction information that is retrieved, the Loan Report will not contain balance information. For these transactions, the Balance column will be blank.

• Previous Year-to-Date Interest Paid: On the Account information page, users can now view the interest paid for the previous calendar year in the interest section of the page.

• Print Transfer Confirmations: Users can now print a confirmation page when transferring funds between accounts; making a loan payment; updating existing transfer schedules; or deleting transfers by selecting the printer icon.

We apologize for any inconvenience this may cause you.


Personal Mobile Banking Enhancements

First Bank of Highland Park (FBHP) will be updating our Personal Mobile Banking Application with Accounts Page Enhancements, Live Updates and Face ID for Apple iPhone X.  Details of these new features are described below:

Accounts Page Enhancements

Accounts Page Enhancements is a new feature that allows a user with more than one account to customize the order in which their accounts appear.  This can be accomplished by either tapping the Sort icon, or, if available by tapping Show all my accounts and then tapping Edit.  Using your finger tap the account and slide the account to the desired location.  After the accounts have been reordered, tap Done in order to save the changes. 

Live Updates

Live Updates is a new push notification feature available to users of FBHP smartphone applications.  These alerts will keep users updated on changes to their mobile banking application, including functional improvements and planned maintenance downtime.  The following is an example of the verbiage:  

Off-Cycle Maintenance Alert:  Your mobile banking application may be unavailable outside of normal maintenance hours on April 29 from 4 a.m. to 6 a.m.  EST (1a.m. to 3 a. m. PST).  Normal maintenance periods are planned for the second and third Sunday of each month. 

The presentation of Live Update push notifications might vary depending on the device’s operating system version and user settings.  For example, if the device is locked when a notification arrives, the notification generally remains visible on the lock screen until the user unlocks the device.  If the device is already unlocked, the notification may briefly appear as a banner at the top of the screen before disappearing. 

Live Updates is an opt-in feature, meaning each user must explicitly turn on the alerts.  Once turned on, the user continues to receive alerts until they turn off push notifications. 

Upon signing in to the FBHP smartphone application the first time after we have activated Live Updates the application presents the user with ‘What’s New: Introducing Live Updates screen’.  This screen explains what Live Updates are and provides the ‘Turn on Live Updates’ link, which users can tap; go directly to the ‘Alerts’ setup screen in the ‘More’ menu; and turn on Live Updates. 

Face ID for Apple iPhone X

For Apple devices, the messaging and prompts have been updated to reflect Face ID.  Users with an Apple iPhone X can choose to turn on Face ID for the application through an iOS pop-up or the device Control Center. When activated, users can use a face scan in place of a fingerprint to access the application.  If the user turns off Face ID for the application through an iOS pop-up or the device Control Center, biometric login capabilities will not be available.  Users can turn on Face ID for the application at any time through the device Control Center. 


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

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.


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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: