Online Services

Fraud Prevention & Online safety

Avoiding Debit Card Fraud

Personal information is like money. Value it. Protect it.

Information about you, such as your purchase history or location, has value – just like money. Be thoughtful about who gets that information and how it’s collected through apps and websites. 

  • Notify your banker of upcoming travel plans including when and where.  Your banker can help establish a solid back-up plan, like applying for a Gateway Bank Elan Credit Card1.  
  • Use your debit card PIN.  Remember your PIN even if you rarely use your card at an ATM.  You can change your PIN to anything that's easy to remember but hard for others to guess.  Call us at 651-209-4800 for assistance with your PIN.  If your transaction does not go through, try the purchase again with your PIN.
  • Travel with at least two alternative forms of payment.   Carrying multiple forms of payment makes it less likely to be blocked from using either card.
  • If you notice unusual activity on your account, please call us immediately, or use our card management tools available through Online Banking and our Mobile App.


1Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.


Online Safety Tips from the National Cyber Security Alliance Network (NCSA)  

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Own Your Online Presence

 

Personal information is like money. Value it. Protect it.: Information about you, such as your purchase history or location, has value – just like money. Be thoughtful about who gets that information and how it’s collected through apps and websites. 

Be aware of what’s being shared: Set the privacy and security settings on web services and devices to your comfort level for information sharing. It’s OK to limit how and with whom you share information.  

Share with care: Think before posting about yourself and others online. Consider what a post reveals, who might see it and how it could be perceived now and in the future.

Keep a Clean Machine 

 

Keep security software current:  Having the latest security software, web browser and operating system is the best defense against viruses, malware and other online threats.

Automate software updates:  Many software programs will automatically connect and update to defend against known risks.  Turn on automatic updates if that's an available option.

Protect all devices that connect to the internet:  Along with computers, smartphones, gaming systems and other web-enabled devices also need protection from viruses and malware.

Plug & scan:  USBs and other external devices can be infected by viruses and malware.  Use your security software to scan them.

 

Protect Your Personal Information

 
 
Make  your password a sentence: A strong password is a sentence that is at least 12 characters long. Focus on positive sentences or phrases that you like to think about and are easy to remember (for example, “I love country music.”). On many sites, you can even use spaces!
 

Unique account, unique password:  Having separate passwords for every account helps to thwart cybercriminals.  At a minimum, separate your work and personal accounts and make sure that your critical accounts have the strongest passwords.

Write it down and keep it safe: Everyone can forget a password. Keep a list that’s stored in a safe, secure place away from your computer. You can alternatively use a service like a password manager to keep track of your passwords.

Get two steps ahead: Turn on two-step authentication – also known as two-step verification or multi-factor authentication – on accounts where available. Two-factor authentication can use anything from a text message to your phone to a token to a biometric like your fingerprint to provide enhanced account security.

 

Connect With Care

 
When in doubt, throw it out: Links in email, tweets, posts and online advertising are often how cybercriminals try to steal your personal information. Even if you know the source, if something looks suspicious, delete it.

Get savvy about Wi-Fi hotspots: Limit the type of business you conduct and adjust the security settings on your device to limit who can access your machine.

Protect your $$: When banking and shopping, check to be sure the sites is security enabled. Look for web addresses with “https://” or “shttp://,” which means the site takes extra measures to help secure your information. “Http://” is not secure. 

 

Be Web Wise

 
Stay current. Keep pace with new ways to stay safe online: Check trusted websites for the latest information, and share with friends, family, and colleagues and encourage them to be web wise.

Think before you act: Be wary of communications that implore you to act immediately, offer something that sounds too good to be true or ask for personal information.

Back it up: Protect your valuable work, music, photos and other digital information by making an electronic copy and storing it safely.

 

Be a Good Online Citizen

 

Safer for me, more secure for all:  What you do online has the potential to affect everyone – at home, at work and around the world. Practicing good online habits benefits the global digital community.

Post only about others as you have them post about you. The Golden Rule applies online as well.

Help the authorities fight cybercrime:  Report stolen finances or identities and other cybercrime to the Internet Crime Complaint Center (www.ic3.gov) and to your local law enforcement or state attorney general as appropriate.

Mobile Device Safety Tips

Secure your devices:. Use strong passwords, passcodes or touch ID features to lock your devices. These security measures can help protect your information if your devices are lost or stolen and keep prying eyes out.

Now you see me, now you don't: Some stores and other locations look for devices with WiFi or Bluetooth turned on to track your movements while you are in range. Disable WiFi and Bluetooth when not in use.

Get savvy about WiFi hotspots:  Public wireless networks and hotspots are not secure, which means that anyone could potentially see what you are doing on your mobile device while you are connected. Limit what you do on public WiFi and avoid logging in to key accounts like email and financial services on these networks. Consider using a virtual private network (VPN) or a personal mobile hotspot if you need a more secure connection on the go.

Keep your mobile phone and apps up to date: Your mobile devices are just as vulnerable as your PC or laptop. Having the most up-to-date security software, web browser, operating system and apps is the best defense against viruses, malware or other online threats.

Delete when done: Many of us download apps for specific purposes, such as planning a vacation, and no longer need them afterwards, or we may have previously downloaded apps that are no longer useful or interesting to us. It's a good security practice to delete apps you no longer use.


© TM 2016 STOP.THINK.CONNECT. Messaging Convention, Inc.

For more information please visit the National Cyber Security Alliance Network & STOP.THINK.CONNECT. at:  https://stopthinkconnect.org/