Install or Update Your Antivirus and Antispyware Software:
Antivirus and Antispyware software are designed to prevent and detect malicious
software programs on your computer. In order to keep your computer and your identity
safe all computers connected to the internet for any length of time should have both of
these products installed at all times.
Run a Full Scan With Both Your Antivirus and Antispyware Software:
Full scans with your Antivirus and Antispyware software can help to catch the most
recent viruses and spyware that may have been installed on your computer without your
knowledge. Full scans of your entire PC should be run at least daily.
Ensure Your Operating System is Up to Date:
Computer operating systems need to be updated to stay current with any security patches released
by the maker of your operating system. In most cases people are running a Microsoft operating
system that can be checked by visiting http://update.microsoft.com. Microsoft usually releases
new updates once a month, but may do so more often when an update is extremely critical.
Keep Your Software Up to Date:
In addition to keeping your operating system up to date you should also look for updates for
the software installed on your PC. This includes software such as Adobe products, Java,
Firefox, and Apple iTunes. Software such as this can be vulnerable to hacker attacks and may
lead to the compromise of your system if it isn't updated. A good rule of thumb is that if you don't
need a piece of software don't install it or remove it when it is no longer needed.
Keep Your Firewall Turned On:
A firewall helps protect your computer from hackers who may try to gain access to your computer
and the information it contains. Software firewalls are available to protect single computers and are
even included with many updated copies of Microsoft Windows.
Review Accounts Regularly:
Everyone should regularly monitor their accounts for suspicious transfers and withdrawals. Businesses
should monitor their accounts daily for suspicious transactions. Customers should
notify First Citizens Bank immediately of any unexpected activity.
Change Your Passwords to Banking, Email and Ecommerce Sites Regularly:
Passwords are the keys to your internet kingdom. Changing your passwords regularly will help ensure
the security of all your online accounts as well as the information and the money they give you access
to. When changing your password be sure to use strong passwords. Strong passwords use eight or more
characters with random letters, numbers, and symbols. In addition, you should never use the same
password on multiple sites. If one site is compromised your other accounts could possibly be accessed
Be Careful What You Download:
You should never open email attachments or click on links in emails from people you don't
know. You should also be wary of forwarded attachments and links from people you do know. Email
attachments and links can circumvent even the best Antivirus software. Additionally, you
should be wary of downloads from trusted and un-trusted sites that seem new or suspicious. If
the site has been poisoned or compromised by hackers you could unknowingly be installing a virus
or spyware. If you question whether a download is necessary to access a site you can always
contact the company for further information.
If Possible Have a PC Dedicated Only to Online Banking Activities:
Fraudsters and scam artists have learned that many small and medium sized businesses use online
banking products due to their convenience. What they have also learned is that these same businesses
often do not take the time to adequately protect their PCs as outlined in these tips, nor do they
regularly review their accounts for fraudulent activity. Using this knowledge fraudsters and scam
artists are now actively targeting small and medium sized businesses using phishing attacks, email
attachments, and web sites designed to take advantage of OS and software flaws. One of the most
effective controls is to use a second PC or "live disk" for your banking. This PC should not be used
for regular web surfing, checking email, or other projects. These activities can increase a business's
risk of unknowingly coming into contact with malicious sites and software. You should never use the
computer your kids use for your online banking.