Category: Security

Best Practices for Protecting Your Data

data

Over the years, cyber hacking has been on the rise – nearly doubling from 2016 to 2017. Out of all of those attacks, 93% of all breaches in 2017 could have been avoided with simple cyber hygiene practices according to Online Trust Alliance. That’s why we’ve decided to give you some updates on the latest cyber security practices!

Don’t Click It

Hackers are getting more sneaky as to where they place their bugs. You may know not to trust a strange email from someone you don’t know, but what happens when you get an email from your university or a trusted place of business? Hackers have the ability to make their emails look more like something you could trust from a local business compared to the strange phishing emails you may be used to looking out for. Be extra cautious when reading through emails – and don’t click any links or download files if you weren’t expecting that in an email.

Turn On Two-Factor

Two-factor authentication gives you a second layer of protection if your data does get hacked. Many programs and devices offer this authentication choice, so use it whenever possible. This significantly increases your chances of staying safe from a cyber security hack.

Restrict Oversharing

By putting to much information on your sites, a hacker can use that data to hack into an account through your security questions. If you post about your adorable dog, Fido, chances are that dog’s name is in your password or security question. Also try to avoid posting your address, phone number, full name and so forth, as all of that can be used against you.

Generate Multiple Emails

We’ve all heard not to have the same password for everything – and we know many of you are still guilty of that. However, you may have not heard about having different emails for separate reasons. A good rule of thumb is to create three separate emails: one for strictly banking, another for emails to friends and family and one for all your stores and shopping coupons. This will help block hackers from getting into all your different accounts and finding personal data.

Install Ad Blockers

On any web browsers you use, be sure to install ad blockers or turn on your pop-up blockers. This will help save you from trying to X out of something and getting a virus that came up when you were searching online. Having any potential ads blocked will help keep your computer clean and your data safe!

We hope these new practices help protect your data from potential hackers. If you have any questions about your information being safe with us – no need to worry! We’re proud of our security practices and hope you will be able to say the same after making a few improvements.

Cyber Security for College Students

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So you think you’re all set for your first day of classes. Backpack, books, IPad and smartphone in hand – you think you have everything you need for success this semester. However, learning proper cybersecurity habits are just as important to your college success as the friends you make or the assignments you accomplish.

You’re well acquainted with technology and internet scams, and think you are far off from being duped or scammed online. However, technology is ever changing which means the tactics hackers use to access your personal information can be even sneakier. In 2014, there were 13,500 burglaries reported in on campus crimes across the US. Here are some basic tips to keep in mind while on campus or use as a refresher, you smarty pants!

Keep Your Friends Close and Your Devices Closer

You’re constantly sharing a workspace with your peers. From the dorm room to the library, you’re devices are always accessible to others. Never leave your devices unattended. Always have a passlock on each screen, and make sure no one is lurking over you when you enter the pin. Look into purchasing a laptop lock to secure the physical safety of your device.

The Value of a Number

If you’re like most college students, you’re eating ramen and shopping at the nearest thrift store. This might be why you haven’t been worried about cyber security in the past. You can barely afford proper nutrition, so you don’t have anything worth stealing. WRONG. Your social security number is incredibly valuable to a hacker who can sell it on the dark web. They can use this to open various credit accounts in your name or hold other precious online information like family photos hostage until you pay their ransom.

Back, Back, Back it Up

We know you have a million other things on your plate right now, but be sure you are backing up your data on a secure cloud system or an external hard drive. Consistently setting a time to backup all of your important documents will help protect you against ransomware and file corruptions.

PDA: Public Displays of Access

Who doesn’t like free stuff? One of the perks of college is that you are probably going to have a lot of freebies thrown at you. This means free WiFi that you can gulp down without having to dry out your data usage while catching up with friends back home. However, even your dorm WiFi can be infiltrated by hackers who access the network’s router, create fake login pages to steal your information or take data from your device. You can protect yourself by not using public WiFi, or purchasing a VPN.

Shhh, Mums the Word

Although it might be easy and sweet to use fido in your password, make sure to keep your password on each account different and complex. You don’t want to allow a hacker to open Pandora’s box after they figure out your one password. Keep your password private and unique. We recommend incorporating special characters, acronyms or even sentences at random.

We hope that these tips will be helpful in keeping your identity safe in your college adventure!

4 Standard Safety Tips for Social Networking

“Technology and social media have brought power back to the people,” Mark McKinnon. Whether or not you fully agree with this statement, social media has become ubiquitous to all ages on multiple platforms. It’s not only the pre-teens who are at risk of becoming victimized by hackers, as even corporations are finding themselves in costly predicaments. Because of this, Milledgeville State Bank has gathered basic standards that everyone should adopt into their social media safety.

The Big No-No’s

With much of social media, the purpose is to share the highlights of your life with others. However, there are certain facets of your identity that you should never, under any circumstances, share. You may not even know you are outright sharing this information, as it can manifest in basic profile information or slight comments on a friends post. It may seem obvious, but never share your:

-Social Security Number

-Birthdate

-Passwords

-Home Address

-Cell Phone Number

-The State Where You Were Born

Review Your Privacy Settings Frequently

Social Networking sites can change their privacy options, so it is good to check in to ensure that you are only sharing the information you want shared. There are multiple ways to manage who sees what posts and even who your other friends are. While you are reviewing these settings, be sure to change your passwords to ward off hackers seeking access to your most privileged information. A great option would be to have your password in sentence form. It’s been recommended to have a positive sentence that’s easy to remember like, “I love my puppies!”

Only “Friend” Those You Know

Although there is a social praise towards those who have a lot of followers, or friends, it is a better standard practice to ensure you are only allowing those you know into your web life. Keep in mind that if you’re posting about your friends, others who you have friended are seeing it, too. It isn’t only your identity that is at risk, so friend responsibly.

Avoid Oversharing

We all have that one friend that shares EVERYTHING on social media, even down to the smallest detail like what flavor of coffee creamer they had this morning. We don’t want to be this person, but we may be doing similar dangerous behaviors without even thinking.

For example, if you are going on a great vacation, wait to share those photos until you are home. The last thing you want to be doing is advertising that your home is empty for the week. Even miniscule details here and there can be pieced together by predators for a large picture of your life. Review your professional sites like LinkedIn, and be sure you are not sharing your entire work history. This data can be gathered by hackers to fill out applications for things on your behalf.

Don’t make yourself an easy target! Stick to these standards to provide yourself with a digital wall of protection.

Protecting Older Americans Against the Top Scam: IRS Impersonations

irs

No age group is immune to scams. It can happen to any age group, income level and gender. Scammers are no respecter to persons when it comes to getting your money. However, seniors should be protective of their finances, as they are more likely to have significant life savings and great credit. They also may be unsure of who to report fraud to, or don’t out of shame. This makes them a great target for scams. Unfortunately, the top scam among older Americans is IRS Impersonations.

Why IRS Impersonations?

Taxes and money are linked, so being able to access someone’s tax account gives them extensive amounts of highly personal information.
This information can be serviced into capital.

Telephone Scams

They may receive a phone call from the scammer, claiming to be from the IRS. They will give a fake name, badge number and even call from a Washington area code so they seem more legitimized. This is called Caller-ID spoofing. They say they are following up on letters sent by mail and threaten arrest, home foreclosure or deportation for immigrants if they are not paid. Seniors should be aware that the IRS will never call to demand immediate payment, nor will they ask for credit card information over the phone. These scare tactics are working far too well, so education, not shaming, is needed to prevent victimization. If they receive a suspicious call, hang up and call the U.S. Senate Special Committee on Aging’s Fraud Hotline at 1-855-303-9470.

Text Messages

Unfortunately, text messages seem to be more trusted than email. Scams by text are called smishing. Some criminals may only have access to the internet through their smartphone, so they will use this to target other phones as well. They may even send a link to a fraudulent site to intake your private information like a social security number so they can steal your identity.

Here is an example of what a text might say:

“IRS NOTICE: Your Tax Return is overdue! Click here to prevent penalty by law.”

Email Phishing

This term means the scammers are fishing for information through email, conning people into thinking they are someone they are not. The emails look like they have the branding of the IRS and they are leading to a legitimate website. They might request the same information that is requested by phone, but might be more prone to believe the emails to be valid with the fake IRS branding.

Key Takeaways:

Inform your loved ones of these IRS facts:

The IRS will never call to demand immediate payment.
They will never threaten to immediately arrest.
You will never be told that the taxes must be paid without the opportunity to appeal the amount owed.
They will never ask for payment information over the phone.

Data has shown that increased knowledge on scams makes a difference, so share this information with your loved ones, creating a safe place of discussion and education!

Common Cyber-Security Threats While Traveling

Whether you are traveling for work or pleasure, the last thing you want to battle with is having your cyber-security compromised. If knowledge is power, Milledgeville Bank has created a list of potential threats to your private information and steps to prevent damage while away from home.

Before You Go

Along with remembering to pack a toothbrush, you should also prepare your devices for travel. You should ensure all updates are completed. This will make your systems harder for hackers to penetrate.

You may consider backing up your information on cloud storage. You would hate to have forever lost important documents and photos. Should your information become compromised, having these copies of your private information will be useful. We would also recommend changing all of your passwords prior to leaving and again when you return. It is also extremely important, especially when traveling abroad, to let Milledgeville Bank know where you will be traveling and when.

While You’re There

Unfortunately, you are at higher risk the more you travel and use the internet abroad. However, this shouldn’t stop you should you use the proper precautions from these threats.

While convenient, public wireless networks are not secure. Nevertheless, if you need to connect, be sure it is a legitimate network by verifying the account with employees. However, your mobile connection is going to be more secure. You are going to want to turn off auto-connect for wifi and Bluetooth as well. If you are able, purchase a VPN (Virtual Private Network), so you have peace of mind while surfing the web. We would recommend staying away from public computers-even the hotel and library. You cannot trust that these are on secure networks, and that Keylogger Malware is not present.

To many people’s dismay, you are being watched in ways like never before. You should get into the habit of guarding yourself at all times. When traveling to fun places, it is tempting to share your location. But waiting to share this information is best, so hackers don’t follow where you are, and maybe even make their way up to your hotel room to take your computer when they know you’re away. This is another reason why you might consider eating meals outside the normal hours, as that is when most hotel thefts occur.

You can’t avoid purchases while on the road, but be aware of ATM skimmers, point of sale compromises and hidden cameras. ATM skimmers have been on the news frequently. If you can avoid using this altogether by sticking to credit cards or Apple Pay on the road, it may make the experience easier. Business card readers may be compromised or a hidden camera could be tracking your pin input, so it’s important to always be aware.

We hope that these tips have informed you to be a cyber-secure traveler. For more information about anti-fraud services, please stop by and speak with our helpful staff!

Tips for Cyber-Security When it comes to Your Mobile Device

Odds are you’re probably reading this blog post on your cell phone, which you found through an app on your smartphone and then used it to get directions to Milledgeville State Bank. Seventy-seven percent of Americans now own a smartphone and use it on a daily basis. With so many people accessing, searching and downloading things on their cell phones, are we really using the same caution and protection we would use when it comes to our computers? Odds also are, you’re not. With a few tips, you can start better protecting your smartphone from things like data theft, malware and privacy invasion.

Needed Protection: You may be wondering what exactly needs to be protected when it comes to your smart phone. Luckily, they can be broken down into three categories.

Device Protection – In case your phone was ever stolen, this kind of protection would wipe all information and data from your phone, which is beneficial if you utilize mobile or online banking.
Data Protection – This protection was designed to keep work information from place of employment from being spread to your personal apps.
App-Management Security – Having login information, credit card information and other personal information within apps should be protected from falling into the wrong hands. App-management security does just that.

Trusted Apps: Not all apps are created equal. Since it’s becoming increasingly easier for third-parties to create apps this means there are more apps out there than there’s ever been. One way to help protect yourself is to only download apps from the trusted app store. You should also review existing apps’ privacy policies and settings for permissions.

Public Wi-Fi: One thing you should know is public Wi-Fi is generally not secure. Hackers can get in-between you and the Wi-Fi connection point and when you’re submitting information on your phone you’re actually sending it to the hacker. It’s recommended to protect yourself using a VPN, which encrypts your data, essentially scrambling the information.

Jailbreaking Phones: While it may seem like the cool thing to do to format your phone without the factory standards, you’re actually setting your phone for several security risks. One of those risks is Malware and loss of personal information.

We hope these tips can better protect you and your smartphone. There are several companies that can protect your mobile devices, including Norton Mobile Security and McAfee Mobile Security. If you have any questions or concerns about you protecting yourself, we encourage you to contact us. Our team would love to assist you.

Cyber Security 101 – Learning the Basics to Keep Yourself Protected

Welcome to Cyber Security 101. Grab your pen and paper, it’s time to take some notes about cyber security! Thankfully, there won’t be a test after reading this blog. But not taking these tips into consideration can make a difference in protecting yourself and having your personal information land in the hands of the wrong person.

With so much to think about, you’re probably wondering where you’re supposed to start. Luckily for you, Milledgeville State Bank is here to school you in all things cyber security.

Careful Clicking – Between social media, websites and emails, we’re clicking on things all the time. Sometimes these links can be associated with what’s called “phishing attacks.” This is a tactic used to gather your personal data, like passwords and credit card numbers. Most of the time this type of attack occurs within an email. That’s why it’s critical to verify email addresses from trusted entities you know. Never open documents from these unusual email senders.

Password Protection – Creating complex passwords may seem like a no-brainer but about 35 percent of users have weak passwords and about 65 percent of passwords could be cracked. The goal should be to make it something that’s unrelated to you, so not using your birthday, your dog’s name, etc. We suggest using a password generator, or even making your password a sentence.

We understand you log into numerous accounts daily, and you can’t possibly remember all of these unique passwords. Even though your password list could be three feet long, you should never write them on a sticky note and perch them on your computer screen. Check out password management apps to help you keep all of your passwords in order.

Savvy Shopping

Online shopping continues to grow and is more enticing with offers like free shipping and online exclusive products and sales. With such a shift in purchasing habits, our security habits should also be changing. You should only be shopping on secure sites, which can be identified by the “https” at the start of the web address. If there’s no “s” the site is not encrypted and your information could not be secure.

Another way to protect yourself is to never give more information than is required. If they don’t ask for your phone number or address, do not provide it. This information could fall into the wrong hands and always be sure to read their privacy policy so you know where your information is going and how it’s being used.

Staying Up to Date

If you don’t already, now is the perfect time to get an antivirus or anti malware software program for your internet accessible devices. These programs work to protect your devices and help you stay ahead of any attempts to break security on your computer.

If you already have a security program in place, make sure you’re updating the software any time an update comes up. These companies are constantly working to fight potential security risks so anytime there’s an update, take the time to make the required updates.

We hope you took some great notes and are ready to tackle all things cyber security. By taking these few steps you can help protect yourself from a world of trouble and inconvenience. If you have any more questions about cyber security, contact us today. We’d be happy to answer your questions. Class dismissed!

Teaching Your Children the Basics of Online Security

Financial Education

If you’re like many parents in the United States, your preteens and teenagers may be running circles around you when it comes to utilizing the latest technology. Whether that’s Facebook’s latest updates, new iPhone technology, or the latest app hitting the scene, the amount of new knowledge and innovation seems endless. For your growing adults, this may look more like an endless playground than a minefield, but at times it can be both. To help your children use technology while still remaining safe we recommend these simple suggestions:

Passwords are important. Instead of defaulting to the same password for every account, explain to your son or daughter why they should have a complex password for each separate account. Leary cyber criminals are able to gain access to all your accounts instead of only one when they discover the passwords are all the same. The strongest passwords contain lowercase and uppercase letters, symbols, and numbers. Great apps like LastPass can help to store all current passwords in addition to creating stronger password options.

Privacy matters. On Facebook and most other social media outlets, there are always options to make your profile private or public. For children, and adults, we strongly recommend keeping your personal online profile private. While you and your children can connect with friends and other known acquaintances, it can become dangerous to push your information out to anyone who wants to read it. For instance, if you post about leaving for a family vacation, and the profile is set to public, potential thieves could now view your home as an easy target while you’re away.

Don’t talk to strangers. Just as you had the “Stranger danger,” discussion with your son or daughter when they were younger, this message follows a similar point, but within the chat rooms and friend requests online. While in an ideal world, we wouldn’t face issues like catfishing or cyberbullying, the truth is that these actions can cause real world issues and aren’t always left online. To keep promote in-person communication, remind them of the importance of speaking with friends and family outside of the web, and if they ever do need someone to talk to you and your family are always there to listen.

Only use secure wifi. After school, your teen may head to a part-time job or extracurricular. If they’ll be going away from your home or school, be sure to encourage them to steer clear of unsecure wifi. While many afterschool hotspots offer free wifi for customers, often there may be potential cyber criminals broadcasting a false signal. These unsecure signals can give them access to your child’s computer if the wifi is accepted. The criminal could then access personal information, passwords, or hold the computer access for ransom. To avoid situations like this, instruct your teen or preteen to only use wifi at home and at school unless you have approved of an additional location such as the library.

Teach your children how to use the internet responsibly, and perhaps they can show you how to capitalize on the creative and efficiency tools it offers. At Milledgeville State Bank, we think that family is one of the most valuable parts of life and we want to help your family grow. If you’d like to start a checking or saving account for your teen or preteen, stop in today, we’d love to help you get started.

The Most Common Phishing Scams and How to Avoid Them

identity protection

Phishing is a common term for the unfortunate schemes hackers and online criminals use to lure users into giving their personal information. Typically disguised as familiar online activity, these scam artists have cleverly found several distinctive ways to attempt to trick YOU into handing over your private details. Be on the lookout for these common phishing scams next time you’re roaming the web!

Foreign Lottery Scam

With this tactic you generally receive an email informing you that you have just won the lottery of some far-away land! To obtain these exorbitant funds you simply have to send a small fee to cover the transfer cost. A simple online search will show that this thrilling lottery is no more than phony website with a long distance phone number. Typically if the sending address doesn’t look familiar, or if you have not applied to any foreign lotteries, it will be a dead giveaway that this email is just an attempt to get your information and your money.

Survey Scam

Do you like supporting the humane society or other animal organizations? This scam takes advantage of your online history and sends you a survey to submit your opinion on issues that matter to you. Instead of using your responses on animal treatment, this system discovers your email address, and other relative personal information, to hack your account and send out further spam emails.

Online Banking Scam

Most phishing schemes disguise themselves as something familiar, often as PayPal or even your personal bank. This particular scam typically indicates that some type of immediate action is needed, and your financial account is at risk. Before sending any type of reply communication, check the source of the email, and call your personal contact at the organization to see if the email is legitimate. If you question the validity of any portion of the email, delete it and call the company this con artist is attempting to masquerade as ASAP.

Clickbait

Social media has a hacking arena all its own. With links scattered across newsfeeds, it’s often hard to determine what is genuine and what is clickbait. Clickbait is a link generated using common controversial issues to get you to click on it. Once clicked, the link may switch to a Facebook login, where you login again. Unfortunately this false login page is a common maneuver by cyber criminals to get your social media login. Having this information, online criminals can now access your account and spam the people you are connected with.

If you think you’ve been a victim of an online phishing scam and your personal banking information has been compromised, call Milledgeville State Bank. We’ll help you watch for signs of identity theft within your personal bank accounts.

The Dos and Don’ts of Credit and Debit Cards

Personal Finance

Throughout the month of April, the United State of America celebrates Financial Literacy Month. In efforts to catapult our nation’s level of financial knowledge, April has become the catalyst to help children and adults alike, learn the ins and outs of the finances. With topics ranging from budgeting, lending, saving, and beyond, this month offers an incredible opportunity to better understand the potential your money holds.

This week we are excited to dive into the do’s and don’ts of credit and debit cards! Offering two very similar, but uniquely different services for your financial needs, these cards can help you to reign in your finances and grow your credit score when used properly. Learn all about these tips and tricks courtesy of Milledgeville State Bank.

Debit Card: A card issued by a bank, that is tied directly to a checking or savings account, which allows money to be electronically transferred from one bank account to another when making a purchase.

Use for daily transactions. It’s always great to have a paper trail reminding you of your purchases.
Use for repeated expenses such as gas, groceries, and other costs you can plan for.
Balance your check book. Sometimes charges such as gas or dining can take several days to run through so be sure to keep track of your spending by balancing your checkbook weekly.

DON’T

Use your debit card online unless you absolutely have to. Having your credit card information stolen is one thing, having your bank information stolen is another.
Spend more than you have in your account. Overdraft fees are no fun for anyone!
Postdate transactions if funds are not readily available in your account.

Credit Card: A small plastic card that is offered by a bank or other financial institution, allowing the card owner to purchase goods and services on credit.

Use for online expenses through secured vendors. Many discounts may be offered online only and can save you and your family a bundle.
Pay your bill in full each and every month. Make to avoid hefty interest rates and other timely fees by not extending your balance over the next month.
Utilize points to help you earn while you spend. These points are great for supplementing costs of family trips or other extra activities.

DON’T

Spend more than you have allocated for the month. Paying more for interest and other fees is money wasted.
Open too many credit card accounts. Keep one or two cards that you use and payoff each month to help boost your score.
Max out your balance, even if you pay if off each month this can potentially damage your credit score and serve as a red flag to potential lenders.

Get started on your finances today with a secure debit card from Milledgeville State Bank!