Online Banking Best Practices User ID and Password Guidelines

• Always keep your passwords in a secure location and out of sight.
• Create a “strong” password with at least 8 characters that includes a combination of mixed case letters, numbers, and special characters.
• Change your password frequently.
• Never share username and password information with third-party providers.
• Avoid using an automatic login feature that saves usernames and passwords.
• Create a user id & password for your mobile device using guidelines provided by your carrier.
• Do not use public or other unsecured computers for logging into Online Banking.
• Users should check the last login date/time every time they log in.
• Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.
• View transfer history available through viewing account activity information.
• Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.
• Never leave a computer unattended while using Online Banking.
• Never conduct banking transactions while multiple browsers are open on your computer. Tips to Avoid Phishing, Spyware and Malware
• Do not open e-mail from unknown sources. Be suspicious of e-mails purporting to be from a financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.
• Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail. Call the purported source if you are unsure who sent an email.
• If an e-mail claiming to be from your financial organization seems suspicious, checking with your financial organization may be appropriate.
• Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.
• Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.
• Ensure computers are patched regularly, particularly operating system and key applications. • Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.
•  Check your settings and select, at least, a medium level of security for your browser. • Online Banking never displays pop-up messages indicating that you cannot use your current browser.
• Online Banking error messages never include an amount of time to wait before trying to login again. • Be advised that repeatedly being asked to enter your user ID or password are signs of potentially harmful activity. Mobile Banking Tips
• Make sure your mobile device has the most recent software updates installed
• Avoid storing sensitive information on device
• Activate the “time-out” or “auto-lock” feature to keep your device secure at all times
• Require a PIN or Password to unlock phone. Do not share your PIN/Password with anyone
• Do not use a “Public” Wi-Fi to log into your Perryton National Bank mobile app or access other sensitive sites – ever
• Turn off the automatic Wi-Fi connectivity feature on your phone, so it won’t automatically seek out hotspots.
• Never click on “Remember my Password”
• Be wary of unexpected texts messages, even those that appear to come from Perryton National Bank, asking you to follow links or provide personal information