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CYBERSECURITY  (how to protect and maintain your own computer systems.)


In recent years, the banking industry has seen significant changes in the internet banking threat landscape:

• Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise security and gain unauthorized access to customers’ online accounts.
• Rapidly growing organized criminal groups have become more specialized in financial fraud, and have been successful in compromising an increasing array of controls.
• Fraudsters are responsible for losses of hundreds of millions of dollars resulting from online account takeovers and unauthorized funds transfers.

Intercredit Bank’s goal in providing security awareness to our customers is to help protect your online account and transaction information from these types of incidents. Intercredit Bank is committed to protecting your personal information. Our Internet Banking platform uses several different methods to protect your information. In addition to the security features put in place by Intercredit Bank, here are some steps you can take to keep your personal information secure:

If you believe your internet banking User Name or Password or other means of access have been lost or stolen, or that someone has used them without your authorization, call us immediately at 305-264-9193 or 1-866-602-4207 during normal business hours. After hours you may e-mail us at

• Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations. We will send an e-mail back to you as confirmation that we did receive it. Because e-mail is not secure, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we will need.
• If you have given someone your Internet Banking User Name and Password or other means of access, and want to terminate that person's authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person.
• You are responsible for all transfers you authorize using the Internet Banking services under its Agreement. If you permit other persons to use your login credentials, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Access Code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down.


Protect your computer :

Install software that protects against malware, or malicious software, which can access computer system without your consent to steal passwords or account numbers. Also, use a firewall program to prevent unauthorized access to your PC While protection options vary, make sure the settings allow for automatic updates.

Use the strongest method available to log into financial accounts :

Use the strongest authentication offered, especially for high-risk transactions. Use passwords that are difficult to guess and keep them secret. Create “strong” user IDs and passwords for your computers, mobile devices, and online accounts by using combinations of upper- and lower-case letters, numbers, and symbols that are hard to guess and then change them regularly. Although using the same  password or PIN for several accounts can be tempting, doing so means a criminal who obtains one password or PIN can log in to other accounts.

Understand Internet safety features:

You can have greater confidence that a website is authentic and that it encrypts (scrambles) your information during transmission if the web address starts with “https://.”  Also, ensure that you are logged out of financial accounts when you complete your transactions or walk away from the computer. To learn about additional safety steps, review your web browser’s user instructions.

Be suspicious of unsolicited e-mails asking you to click on a link, download an attachment, or provide account information:

It’s easy for cyber criminals to copy the logo of a reputable company or organization into a phishing email. When responding to a simple request, you may be installing malware. Your safest strategy is to ignore unsolicited requests, no matter how legitimate or enticing they appear.

Be careful where and how you connect to the Internet.

Only access the Internet for banking or for other activities that involve personal information using your own laptop or mobile device through a known, trusted, and secure connection. A public computer, such as at a hotel  business center or public library, and free Wi-Fi networks are not necessarily secure. It can be relatively easy for cyber criminals to intercept the Internet traffic in these locations.

Be careful when using social networking sites.

Cyber criminals use social networking sites to gather details about individuals, such as their place or date of birth, a pet’s name, their mother’s maiden name, and other information that can help them figure out passwords — or how to reset them. Don’t share your ‘page’ or access to your information with anyone you don’t know and trust. Cyber criminals may pretend to be your ‘friend’ to convince you to send money or divulge personal information.


Educate yourself. To learn more about cybersecurity

For Consumers:  CyberSecurity review Brochure  

For Business:     CyberSecurity review Brochure 

visit the “Stop. Think. Connect. Resource Guide” at


Identity Theft Lock

Identity theft happens when someone steals your identity and impersonates you in order to open credit or bank accounts, rent apartments, or engage in criminal acts.

The victim may not know the fraud has occurred until they are unexpectedly turned down for a loan, they get a call from a collection agency about an account they never opened or, worse yet, get a call from the police about a crime they didn't commit.

On average, identity theft is discovered 14 months after the thief has wreaked havoc on the victim's credit standing.

Identity thieves use a variety of ways to gain access to this personal information including:

  • Stealing mail
  • Looking through your garbage
  • Stealing your wallet or purse
  • Posing as your employer, bank or utility company needing to "update their records"
  • Collecting information from Internet sites that are not secure
  • Completing a "change of address" form at the post office
  • Stealing the information that you may have provided

Ways to protect yourself from identify theft

  • Carry only the cards that you need to have with you; file others in a safe place at home
  • Sign your credit cards and bank cards immediately
  • Do not carry your social security card with you, keep it in a secure place
  • Do not attach a password or social security number to any cards you carry with you (including your driver's license)
  • Do not attach or write a password or social security number on anything you are going to discard
  • Shred any documents that contain credit card numbers, account numbers or other important information before you discard them
  • Alert companies with whom you have accounts if you do not receive statements
  • Check receipts to insure you have received your own
  • Do not give personal information or account numbers to anyone until you have confirmed the identity of the person
  • Frequently check your credit reports and social security statements

Just call or visit your nearest Intercredit Bank Office.