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Cybersecurity

Keeping your accounts and personal information safer

There's plenty of convenience in the digital tools we use to manage money. There's also a need to proceed cautiously. Working together, we can help reduce your risk of fraud and identity theft while putting plans in place to respond to any emergencies.

Use our digital banking tools with confidence and know that we always implement the latest technology to safeguard your accounts.

Please note, Stock Growers Bank will never call, text or email you requesting bank account information, account numbers, usernames, passwords or other confidential information. Anyone who does likely is involved in fraudulent activity.
Make sure you're creating a secure online environment for yourself.

Update Your Browser
Run the most current version of popular browsers so you get the latest updates in security, speed and functionality.

Be Careful With Passwords
  • Create a password with at least eight characters
  • Make it something you can easily remember, but difficult for someone to guess
  • Use a combination of upper and lower case letters, numbers and symbols
  • Change your password periodically
  • Don't give out your password to anyone, especially if prompted by an email or phone request
  • Don't write it down in any accessible place
  • Don't make it your name or part of your Social Security number
  • Don't use the same password for all accounts
Review statements for all your accounts to make sure all transactions are accurate.

Account/Credit Information
  • Request a copy of your credit report annually at AnnualCreditReport.com
  • Sign up for eStatements to avoid mail fraud
  • Use Online Banking to check your account information more frequently
  • Never use a publicly accessed or shared computer for Online Banking

Phone
  • Don't reveal personal information if you did not initiate contact
  • Be cautious about revealing your Social Security number
  • Take precautions when talking about personal information in public or when others can hear
  • Never disclose your PIN or account numbers to anyone
  • Validate any phone number through a trusted source before revealing confidential information

ATM
  • Never agree to use your card to cash someone else’s check
  • Don't share your PIN with anyone
  • Memorize your PIN rather than writing it down and carrying it with you
  • Leave an ATM if someone approaches you directly
  • Choose an ATM in a well-lit area
  • If at night, have someone accompany you when using an ATM
  • Shield the keyboard and display so others cannot see your transactions
  • Don't talk about your transaction while at the ATM
  • Make sure you take your card, money and receipt
  • When at a drive-up ATM, lock your doors and close the windows

Email
  • Never open emails or attachments from unknown senders
  • Never send money to a person you don’t know
  • Don't reveal personal information in a non-secure email
  • Use filters to protect against spam mail
  • Don't follow email links; type well-known web addresses into your browser
  • Create strong passwords and change them intermittently

Device Security
  • Lock your mobile device with a unique PIN that only you know
  • Download apps only from a trusted source
  • Position your home router near the center of your home away from windows
  • Use firewall, antivirus, anti-spam, pop-up blockers and anti-spyware software from a trusted source
  • Set up a security key for your wireless network and change the default network password
  • Never leave your computer unattended


If you believe you're the victim of fraud or identity theft, act quickly to avoid or minimize damage.
  1. Gather all relevant information, such as phone numbers from fraudulent calls, emails from suspected scammers and phishing attempts, and anything else that could be helpful in tracking the perpetrator.
  2. Keep detailed records of your phone calls and correspondence. And keep track of the amount of money and time you spend dealing with issues related to the theft.
  3. Contact us to close affected accounts. Do the same for any other financial institutions and credit card companies.
  4. Contact one of the three major credit bureaus and place a Fraud Alert on your credit report. Once one credit agency confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts.
    1. Equifax
    2. Experian
    3. TransUnion
  5. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  6. File your complaint with the Federal Trade Commission [online] or call their hotline at [877-438-4338](tel:+18774384338).
Report cybercrime to the Internet Crime Complaint Center (IC3), a joint effort of the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA). Its complaint database links complaints to refer them to the appropriate law enforcement agency and to identify emerging trends and patterns.








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