NetWorth24 Online Banking
Computer Security:
7 17 will never call you, or send an email or text message requesting your online banking credentials, such as your Username or Password. If you get such a request, be sure to check your computer for malware or other viruses. Change your Username and Password, and notify 7 17 Credit Union that you may be the victim of fraud on your PC. You can send us a secure email through Online Banking or call us during regular business hours to report this. The only circumstance under which we would ask for this information is if you call us with an issue and your credentials are needed to troubleshoot the problem.
We also suggest the following:
- Download our free PC malware software, called Trusteer.
- Regularly run anti-virus and anti-spyware programs on your PC.
- Do not share your Username and Password. If you allow others to use your Username and Password, you are responsible for any transactions that occur.
- If you click the option to “Register” your computer or click the “Private” setting on your computer, this could disable the one-time pass code (via voice call, text, or email) at login but this action also reduces the level of access security. We do not recommend clicking this option.
- If you have clicked the “Public” setting on your computer or chose the option, ”Do not register," this will remove the security cookie and cause you to get a one-time pass code by voice call, text, or email each time you log into your account (which enhances your account security). We recommend that you click this option.
- You may be required to get a one-time pass code via voice call, text, or email each time at login if you clear cookies on your PC.
- Close out of Online Banking when you are finished with your session. For added security, Online Banking will automatically log you out after 10 minutes of inactivity.
Security & fraud education:
Mobile Banking
Phone Security:
- You should lock your mobile phone with a password so that it is not easily accessed.
- Do not leave your mobile phone unattended where others can use it.
- Do not save your Username, Password or other account information on your phone.
- If you should lose your mobile phone, contact your cell carrier immediately and have your phone disabled. Also, log in to Networth 24 Online Banking using a PC and change your password.
- 7 17 will never send an email or text message requesting your Username or Password. If you get such a request, be sure to check your mobile phone for malware or other viruses.
- If you purchased a used or refurbished mobile phone, check it for preloaded malware or viruses that can be used to steal your data.
- Confirm that your Bluetooth technology is set to a high security mode so that you must approve any connections or downloads before they are made.
- Always disable your phone’s Bluetooth function when it is not in use.
- Make sure you are using a secure internet browser and connection while connected to Mobile Banking.
- Regularly run anti-virus and anti-spyware programs on your smartphone, just as you would on your PC.
Access Security:
- Do not share your Username and Password. If you allow others to use your Username and Password, you are responsible for any transactions that occur.
- If you click the option to “Remember this phone," this could disable the one-time pass code (via voice call, text, or email) at login but this action also reduces the level of access security. We do not recommend clicking this option.
- If you have clicked “Remember this phone” and would like to reverse this option, click on the “Remove extra security from this phone” link on the Accounts tab. This will remove the security cookie and cause you to get a one-time pass code by voice call, text, or email each time you log into your account (which enhances your account security). We recommend that you click this option.
- If you have enabled Touch ID for Mobile Banking, every person with an enrolled fingerprint on your device will have access to your account. Review the enrolled fingerprints to make sure that each person is authorized to access the personal and financial information available in this app.
- You may be required to get a one-time pass code via voice call, text, or email each time at login if you clear cookies or remove the battery from your phone.
- Log out of Mobile Banking when you are finished with your session. For added security, Mobile Banking will automatically log you out after five minutes.
Security & Fraud Education:
- Sign up for 7 17's Fraud Prevention eLerts. Once you are enrolled in 7 17's eStatements service, signing up for eLerts is an easy way to receive information about ways you can protect yourself from fraud.
Learn more about our Mobile Banking service.
Mobile Device Management
Mobile devices have the potential to store large amounts of private user information as well as sensitive data, including personal account information, website login IDs and passwords, email, and location information. Consequently, mobile device malware is on the rise.
The Federal Communications Commission (FCC) recommended the following steps to reduce your exposure to mobile threats:
- Set PINs and Passwords—The first line of defense is setting a password or PIN to access your device, then configure it to lock after being idle for two minutes or less. Also, devices that support SIM cards should use the SIM password capability. The following are links to sites with instructions on setting a password or PIN for popular mobile devices:
- Do Not Modify Built-In Security Features—Jailbreaking, rooting or tampering with your device’s factory settings increases the risk of compromise.
- Back up and Secure Data—Frequently back up your device’s stored data to enable its recovery if your device were lost, stolen or erased.
- Only Install Apps from Trusted Sources—Research apps prior to installing them to ensure they are legitimate. You can do this by checking reviews and the app store, and comparing the app developer’s official website to confirm they are consistent.
- Understand App Permissions Before Accepting—Think twice before granting an app access to data or functions on your device. Also, always check the privacy settings for each app prior to installation.
- Install Security Apps that Enable Remote Location and Wiping—Most devices, either as an app or system function, have the ability to remotely locate and erase all settings and data. The “Find My iPhone” app for iOS and “Locate My Droid” app for Android are popular options.
- Install System Updates when Released—Doing so when prompted will reduce the risk of exposure to known malware and cyber threats.
- Beware of Open Wi-Fi Networks—Data transmitted on unencrypted Wi-Fi networks can be viewed by anyone connected to the same network. If you are not asked to enter a key when attempting to connect to the network, it is not secure, so use your company’s VPN or such apps as HotSpot Shield (available for both iOS and Android).
- Wipe Data Prior to Donating, Selling or Recycling Old Devices—In order to keep sensitive information private, data should be completely erased, and the device reset to its initial factory settings, prior to disposal.
- Report Stolen Devices—The major wireless service providers established a stolen phone database, in coordination with the FCC. You should report your phone as stolen to your local law enforcement and inform your wireless provider. This will prevent your stolen phone from being activated on any wireless network.
Following these best practices can reduce your exposure to mobile threats and will protect private and sensitive data.
Email
- Don't open email or attachments from people you don't know or are not expecting email from, especially if the email contains an attachment. If you are not sure of the sender, delete the message.
- Do NOT unsubscribe to spam email. While this seems like a way to stop a spammer from sending more mail to you, it only serves to validate that the spammer has a legitimate email address for you. This is not to say that 'unsubscribe' links on legitimate vendor emails are not valid ways to stop their emails.
- If your email system offers anti-spam and anti-virus services, consider using them.
- Use extreme caution if you are asked to provide or confirm any account or personal information through email. Most legitimate organizations, like 7 17, will never ask for sensitive information through email.
- If you are even the slightest bit hesitant about the sender of the email you received, you may not want to click on any links included within the email and you may want to call the sender to confirm the message.
- Fraudsters are experts in deceit. Use caution if something doesn’t appear legitimate. Remember, even legitimate looking emails you receive from family, friends, and organizations could be fraudulent.
Online Fraud Prevention Tips
Email and online schemes are being perpetrated with increasing frequency, creativity and intensity. When online fraudsters use seemingly legitimate email messages and websites to impersonate a business to deceive consumers into disclosing sensitive information, it’s called phishing.