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Protecting Yourself from Identity Theft
Your personal and financial security is just as important to us as it is to you. That's why together, you and Chemical Bank will work to ensure that your information remains safe from security threats and fraudulent activity. Banking has never been more secure and comfortable!
Recommended Security Tips:
Top 10 Rules to protecting yourself
Install Security Software - An important tool is an effective virus scanner that is continuously updated online and thus able to detect new viruses. A personal firewall is a program that monitors all incoming and outgoing traffic from your PC and can help protect you against malicious software that may be hiding in suspicious emails or suspicious attachments.
Protect Sensitive Data When Sending it Over the Internet - As a general rule, never send sensitive information over open networks unless it is encrypted.
Be Sure You Know WHO You Are Dealing With - You should divulge information only if you are certain who is receiving it and what will happen to it. Be suspicious of any departure from the usual routine, such as a request to enter your PIN or password at a time you don't expect.
Be Careful with Sensitive Data and Access Media - Protect your passwords and PIN's from unauthorized use and never disclose them to anyone. Keep your Social Security card in a safe place instead of carrying it in your wallet.
Choose a Secure Password - One way to help safeguard your identity and personal information is through advanced password protection. Here are some suggestions for safer passwords:
- A good password is at least eight (8) characters long and contains a combination of upper and lower case letters, numbers and special characters
- Change your passwords regularly
- DON'T - use your birth date or that of anyone you know, your Social Security Number, account number or names of family members
- Avoid - Proper names, familiar terms (i.e. terms which can be found in a dictionary) and the repetition of single characters (e.g. AAAAAA, 111111)
Only Use Programs From A Trustworthy Source - Don't download programs from the Internet onto your hard drive unless you can be sure the source is reliable.
Use Up-To-Date Program Versions - Use only an up-to-date version of your preferred internet browser and PC operating system. Only in the most recent versions will all known security holes have been filled. Also, you should install these bug fixes or patches as soon as possible to protect your PC from known vulnerabilities.
Run A Security Check On Your PC - Before you use your PC to bank online, take a few minutes to run a personal security check. Activate the security features that protect your computer from unauthorized access.
Activate The Browser's Security Settings - Activate the security settings of your Internet browser. You can enhance your security on the Internet considerably just by making intelligent use of your browser's security options. It is especially important for you to block ActiveX Controls and allow Java applets to run only after confirmation.
If It Sounds Too Good To Be True, It Probably Is - Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organizations behind the emails.
Keep security software current. Having the latest mobile security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats.
Mobile devices can contain tremendous amounts of personal information. Lost or stolen devices can be used to gather information about you and, potentially, others.
Secure your mobile device: Use an auto-lock and a strong passcode to lock your phone.
Only give your mobile number out to people you know and trust and never give anyone else's number out without their permission.
If you're online through an unsecured or unprotected network, be cautious about the sites you visit and the information you release.
Limit the type of business you conduct at Wi-Fi hotspots and adjust the security settings on your device to limit who can access your phone.
Look for web addresses with "https://", which means the site takes extra measures to help secure your information. "Http://" is not secure.
When in doubt, don't respond. Fraudulent texting, calling and voicemails are on the rise. Just like email, requests for personal information or immediate action are almost always a scam.
You may have additional protection provided to you under federal Regulation E. In many cases you may be able to dispute unauthorized debits to your account. However, it is important to note that not all transactions initiated through eBanking are subject to Regulation E. For more information on these protections or to determine if these protections apply to a specific transaction, please review the Electronic Fund Transfer Initial Disclosure received at account opening or feel free to contact our Customer Care Center at (800) 867-9757. Please note: Business accounts are not afforded protections under Regulation E.
Electronic statements are a great way to securely and conveniently record your account activity.