PeoplesBank and Your Login Credentials

We will never call, email or otherwise contact you to request your access ID, password, or other log-in credentials for the online services we offer. If you receive such a request, do not provide any information. Contact us at (888)846-1970 to report the incident.

Reporting Suspicious Activity

If you see suspicious activity on your account(s) or have received a suspicious call, email, letter or other similar contact regarding your relationship to PeoplesBank, call (888)846-1970 or visit your local Financial Center.

Protect Yourself by Controlling Online Risks

Understand the risks of online transaction processing:

Security tips and links to websites noted below provide important information and news to help you understand online transaction risk and options to help you control these risks. It is important to be informed and proactive. When it comes to internet fraud, account takeover and identity theft, an ounce of prevention is definitely worth a pound of cure.

Password Security Tips

  • Do not share your User IDs or Passwords with another person or provide them to others. Safeguard your User ID and Password information—never leave the information in an unsecured location.
  • Create a unique User ID and Password for each site. Do not use the same identifying information on multiple websites.
  • Create strong User IDs and Passwords. In other words, use upper case letter(s), lower case letter(s), number(s), and special character(s) (!@#$%^&*)
  • Many websites force password changes (i.e. every 60 days). If a website does not do so, take the initiative and change your password on a regular basis.

Website Security Tips

  • Monitor account activity. View account activity online on a regular basis and review periodic account statements (monthly and/or quarterly) and reconcile them to your personal records.
  • Log Off from a website; do not just close the page or “X” out.
  • Secure websites have a web address that includes an “s” (https rather than http). If this is lacking, the site is not genuine. Do not log in or conduct business on the site.
  • If a website displays a security monitor, verify it has the current date. If it does not, do not use the site; it may be a spoofed or hijacked.
  • When completing financial transactions, verify encryption and other security methods are in place, protecting your account and personal information.

Computer/Network Security Tips

  • Use quality security monitoring software on your PC that includes anti-virus, anti-malware and firewall functions.
  • Use your PC’s security features such as individual Log-In accounts.
  • Keep PC operating system security up-to-date by applying patches and updates.
  • Password-protect your computer network (physical or wireless).

Web Resources – Learn More and Do More to Protect Yourself Online!

Consumer Protection – Regulation E

Regulation E provides rules for error resolution and unauthorized transactions for electronic fund transfers, which includes most transactions processed online. In addition, it establishes limits to your financial liability for unauthorized electronic fund transfers. These limits, however, are directly related to the timeliness of your detection and reporting of issues to PeoplesBank. It is for this reason that we encourage you to immediately review periodic account statements and to regularly monitor your account activity online.

The disclosure provided to you at the time of account opening provides detailed information. We will provide to you, upon request, a free printed copy of this disclosure.

Additional Information for Business Users of Online Services

Business transactions, because of their frequency and dollar value, are inherently more risky than consumer transactions. There has also been a steep rise of online account takeovers and unauthorized online fund transfers related to business accounts in the last five years.

Recently, small- to medium-sized businesses have been primary targets as cyber criminals have recognized that the security controls they have in place are not as robust as that of larger businesses. Analysis indicates enhanced controls over administrative access and functions related to business accounts and layered security using multiple and independent controls would help to reduce these types of crime.

Suggested Enhanced Controls for Businesses

Business customers should be encouraged to perform a periodic risk assessment and an evaluation of the effectiveness of the controls they have in place to minimize the risks of online transaction processing.

The password, website, computer and network tips above provide a starting point for this process and the web resource links provide additional detailed information.
The FTC Business Center has a great deal of information for businesses at http://business.ftc.gov/privacy-and-security/data-security.

Business customers should understand the security features of the software and websites they utilize and take advantage of these features. Segregation of duties—the process of separating duties so no one person can perform all steps of a transaction—is an example of a very important security feature.

Layered security options that may be available to business customers doing online transactions include transaction thresholds, out-of-band verification (such as telephone or email verifications), fraud detection and monitoring systems, and IP reputation–based services. Establishing layered security processes is encouraged.