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Security Information

Anthem Data Breach - February 10, 2015

There was a large data breach at Anthem, Inc. that compromised personal information for millions of people.  The State Bank of Lincoln is aware of the breach and has no indication that any State Bank of Lincoln debit card or State Bank of Lincoln account number was compromised.  Here is a link from Anthem/Blue Cross Blue Shield themselves discussing the breach http://www.anthemfacts.com/

Please be extra vigilant if you have done business with Anthem/Blue Cross Blue Shield.  There may be “phishing” attempts by these thieves to gain some information from you.  You should also keep a close eye on your credit and tax information.  Please read all the information on this page to better protect you from potential Identity Theft.

Internet Explorer 8 – May 19, 2014

For your security protection, UPGRADE NOW: As of June 26, 2014 security and some site features will no longer be updated for Internet Explorer 8. In addition, Microsoft is no longer supporting Windows XP operating system.  Anyone continuing to use this browser or operating system is at greater security risk when using Netteller Internet Banking.

Heartbleed Update - April 11, 2014

We have completed our assessment of any possible vulnerabilities of State Bank of Lincoln products and services to the now highly publicized “Heartbleed Bug” and are happy to report we believe all State Bank of Lincoln solutions to be unaffected and not vulnerable.  Below are some tips on what to do regarding this “Bug”

  • Verify with websites you use that they are updated and protected from Heartbleed.  Here is a link that you can enter the site in question and run a test: https://www.ssllabs.com/ssltest/
  • After verification, change your password on those websites
  • Do not enter personal or financial information into a website until you have checked with the website operator to ensure they have updated the site to prevent Heartbleed. Even if you see the secure padlock in the browser, your transmissions may not be safe until the website updates its security for Heartbleed.  Changing your password now on a site that has not been updated, is actually less secure than leaving it alone until after the website operator applies the update.  After the website is updated, you should change your password on it.

ATM Electronic Banking Security—Tips to Protecting your InformationSecurity Information

ATM/Debit Cards

Criminals can do numerous tricks to gain access to your debit card number and PIN.  Below are some tips to help avoid your card being compromised:

  • Do not let your debit card out of your sight when purchasing goods and services.
  • Change your PIN number on a regular basis.
  • If your card is lost or misplaced, contact your institution immediately.
  • Do not write your PIN number down.
  • Destroy unused or expired cards.
  • Sign your card immediately upon receiving it.
  • Look closely at ATMs to verify nothing has been altered before using.  Criminals can manipulate ATM dispensers sometimes to appear you did not get your cash, when in fact, it was dispensed.  They can also attach “skimming” devices to the face of an ATM or make alterations to the card reader to take information off your card

You need to be careful when using your debit cards.  They provide access to your hard earned money.  Please be careful to follow these recommendations so that you are less likely to become a victim.

Electronic Banking Security—Tips to Protecting your Information

There are numerous ways in which a thief can try and steal your personal information.  Protecting your personal information is vital when doing electronic banking.  This involves E-Mail, Debit Cards, Internet Banking and many other electronic mediums.  The State Bank of Lincoln is dedicated towards assisting our customers in protecting their information.  This page will illustrate some tips and pointers towards achieving the goal of a safe and reliable electronic banking experience.   You can also visit www.fdic.gov for more helpful hints.

General Security Practices

There are many things that can be done to assure cyber-criminals do not gain your information.  Below are some general guidelines to help prevent and minimize losses if your information does get stolen.

  • Balance your statement EVERY month.  You should also verify ALL activity regularly.  This can be done through Internet Banking or just checking your balance.  You need to verify that all transactions hitting your account are legitimate.  The longer you go without reconciling your account the greater the danger of a criminal taking more and more of your money.
  • Always shred documents with personal information.  Criminals are not beneath “dumpster diving”.  You need to make sure that information is unreadable before being thrown away.
  • Obtain a credit report annually.  If a criminal gains your personal information, they may try and pretend to be you.  They can open numerous false accounts and destroy your credit if you do not check your credit report regularly.
  • Notify financial institutions of address changes in advance.  You do not want your personal information sent to somebody else.
  • Remove mail promptly from the mailbox.  Criminals would be more likely to steal your mail if they see it sitting out for long periods of time.
  • Have your financial services numbers available.  If your information is compromised or stolen, time is very important in stopping the criminal before he has done any damage to your credit.
  • Keep sensitive documents in a secure place, like a lock box or safe.

E-Mail Electronic Banking Security—Tips to Protecting your Information

E-Mail

There are numerous methods that cyber-thieves use to get your personal information through e-mail.  Two of the most common are Phishing and Pharming:

Phishing is a scheme where cyber-thieves pretend to be your financial institution, credit card company, or any financial service provider.  You will receive an e-mail or phone call pretending to be your institution and they will ask you to verify personal information.  They will usually try to scare you in to taking immediate action, by saying your account will be locked or frozen unless immediate action is taken.  They will try many ways to gain your trust and have you give away your information.  NEVER give this information away.  Financial Service providers will not ask for your information in this manner.

Pharming is a scheme where cyber-thieves will use Malware or Spyware on your computer to collect information.  Sometimes false links are provided in e-mails, directing customers to sites which appear legitimate.  There the customer enters their secure information and the thieves steal the information and use it on legitimate sites.  Be very wary of clicking links in e-mails.  They can easily lead you to having a compromised computer.

Always be wary of any type of e-mail or telephone correspondence claiming they need your personal information.  Legitimate businesses will almost never conduct business in this manner.  Always contact your financial service provider if you are at all uncertain.  If you are the victim of a Phishing or Pharming attack you should immediately contact your financial service provider.  Anti-virus, firewalls, spam filters, and anti-spyware should always be used and kept up to date.

Internet Banking Security—Tips to Protecting your Information

Internet Banking

Internet Banking is a very common way to conduct business today.  Financial institutions utilize SSL encryption, multi factor authentication, and other security measures to try and ensure a safe Internet Banking experience.  Despite the various security measures used by financial institutions, criminals will try to find ways in to your personal information.  Below are some tips and hints for Internet Banking.

  • Make sure you are in your financial institutions website.  Scammers will try to spoof a legitimate website with a fake one.  The best way to verify this is to make sure the web address in your address bar and is preceded by https://  This does not guarantee safety but sites that start with http:// should be avoided.  Fraudsters will generally use addresses that start with http://  You do not want to enter secure information on a site that does not start with https://
  • Never write down your username or password.
  • Do not use obvious passwords.
  • Never write down your authentication questions.  These are questions you should know and not have to write down.
  • Never share your login information with anybody through the phone or e-mail.
  • Always keep you anti-virus and anti-spyware up to date.

Internet Banking is quickly becoming the preferred method for most people to access their financial information.  Cyber-thieves realize this and are constantly trying to develop ways to obtain your information.  Following the above steps should greatly reduce your chances of becoming a victim.

Protecting Your Privacy—Opt Out From Preapproval Mailers

Mail

On occasion a customer may receive pre-approval letters for refinancing or new car purchases from other lenders or car dealerships.  The pre-approval letters often have your payment amount, etc., which can make it seem your lender is giving out your information.  The pre-approval letters often are worded in a way that leads you to believe they have more information than they actually do.

There are pre-screened lists that some companies purchase from the credit agencies for marketing purposes.  We want to reassure you that we do protect your privacy and the information is being provided by the credit agencies and not by the State Bank of Lincoln.

There are steps that can be taken to stop pre-approval letters.  Similar to the “Do Not Call” list, you can opt out from pre-approved mailers by calling (888)567-8688.

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