Your Security Matters
Bangor Federal takes security very seriously. Here are some things we do to watch out for you and some ways you can help protect yourself.
- We have a fraud monitoring system in place to monitor all debit and credit card activity. You may receive a call from us, or on our behalf, to verify transaction activity on your card. Please be advised that we will never ask for your card number, pin number or the 3-digit code on the back of your card. You are covered by Visaís Zero Liability protection against fraudulent transactions (does not apply to ATM transactions, PIN transactions not processed by Visa, and certain business card transactions).
- If you plan on traveling and using your debit or credit card, please give us a call so we can make a note on your account. This will help decrease the likelihood that your card will get blocked.
- Never write your pin number on your debit or credit card and donít keep it in your wallet or purse.
- Never give out your username and passwords.
- Use complex, hard to guess passwords for online services including Online Banking and store them in a secure place only accessible to you. Complex passwords are at least 8 characters in length, and are a combination of upper and lower case letters, numbers, and special characters. Avoid using birth dates, anniversaries, family memberís or petís names, or words out of the dictionary as passwords.
- Do not use the same username and password combination on multiple sites. If it gets compromised, cyber criminals can then use it to gain access to other sites you have used it on.
- Donít use public computers for financial activity. Public computers can be infected with viruses and malware.
- If your Bangor Federal debit or credit card gets lost or stolen, contact us immediately to limit your liability. For information on how to report it after hours, click here.
- Beware of phishing attacks. Bangor Federal will never contact you by phone, email or text message to ask for personal, account, or card information.
- The best line of defense is you. We offer several means by which to monitor your account 24/7 for unauthorized activity. Sign up for one of our free account access products including Online Banking, eAlerts, Mobile Banking, iTalk Banking, and SMSGuardian. If you detect suspicious activity on your account, contact us immediately at 207-947-0374.
- Log off of websites when you are finished. Donít just close the browser. Never leave your computer unattended while you are logged on to a website.
- We use multi-factor authentication on your Online Banking to help protect your accounts from fraud. The security image and phrase that you set up when you register is your verification that you are on the real Bangor Federal Online Banking login page.
The Federal Trade Commission is a great resource to help you deter, detect and defend against identity theft. You can also click here to download an informative Identity Theft brochure. Here are some tips for how to avoid becoming a victim of Identity Theft:
- Review a copy of your credit report annually to make sure the information on it is accurate.
- Monitor account activity regularly for unauthorized activity. If you see anything suspicious, contact your financial institution immediately.
- Store personal information, passwords and sensitive records in a safe place. Shred financial statements, credit card offers, bank checks, and any other documents that contain personal information about you before throwing them away.
Beware of e-mail scams! Help protect your computer and your personal information with these simple tips:
- Never click on links in unexpected or untrusted emails, particularly when they are requesting personal information.
- Donít open emails from unknown sources, and use extreme caution when opening attachments in emails. If the email isnít from a trusted source, donít open the attachment. Even if it is from a trusted source, use caution, it could be that their email account was compromised. Attachments can contain viruses or malware.
- Whenever entering personal information in an online form, ensure that the site you are using is secure.
- Run updated anti-virus and anti-spyware software on your computer and mobile devices. Be sure to keep the software updated so you have the latest protection available.
- Make sure to install any available operating system patches regularly, and do not use computers with operating systems that are no longer supported (such as Windows XP).