Security & Identity Fraud Prevention

The security of your accounts and information is a primary goal of First Ipswich Bank. We employ policies and procedures both internally and with our vendors to ensure that we are effectively protecting your information.

However, there can be cases of fraud or information gathering aimed directly at you that we cannot prevent. These can include direct contact via email, text message or computer malware that appear to be from us but originated elsewhere.  It is important that you know the ways in which the Bank will and will not communicate with you:

  • The Bank will never send you a text message or an email asking for you to provide or confirm sensitive information. This includes account numbers, social security numbers, PIN numbers, and online banking user names and passwords.
  • The Bank’s online banking website will never utilize a pop-up box or other input to ask for confirmation of your account number or social security number at the time you login.

We may communicate to you via email to provide information regarding features, products, offers and services but these communications will never ask you to provide sensitive information.

If you do receive any suspicious emails, text messages or other requests, please contact Customer Service immediately to report the issue.

Online & Mobile Banking Services

There are steps you can take to protect yourself as well. We recommend that you follow the security tips described below to protect your account when using Online Banking and Mobile Banking services:

  • Do not share your Online Banking ID or Password with unauthorized individuals and do not write down or store your Password in a place that is easily accessible to unauthorized individuals.
  • Do not leave any Online or Mobile Banking sessions active when leaving any computer, always log out of the service.
  • Protect your phones and other mobile devices by utilizing the pin or password lock features available.
  • Do not “jailbreak” or “root” your mobile devices to provide access to additional, unauthorized features and applications.  This activity increases the risk of unauthorized and undetected access to the device and can compromise the security of your information.
  • Do not use any piece of confidential information, such as your account number or your social security number, as your user name or password for Online or Mobile Banking.
  • Change your Password on a regular basis to prevent the use of your accounts by unauthorized individuals who may have discovered it. Change it even if you only suspect that it has been disclosed or discovered.

 

How to change your Online Banking ID

If you would like to change your First Ipswich Bank Online Banking ID, do the following:

1. Sign in to Online Banking.
2. Click on the "User Options" button.
3. Scroll down to the "Modify Login Information" area.
4. Enter your new Online Banking ID in the space provided.
5. Click on "Submit".

Your new Online Banking ID must follow these rules:

  • It must be different than your current User ID.
  • It must be 6-25 characters in length.
  • It must contain 1 or more letters, numbers are allowed.
  • The following special characters are allowed: + _ % @ ! $ & * ~

How to change your Online Banking Password

1. Sign in to Online Banking.
2. Click on the "User Options" button.
3. Scroll down to the "Modify Login Information" area.
4. Enter your Current Password in the space provided.
5. Enter your New Password in the space provided. Please note that passwords are case sensitive.
6. Re-enter your New Password to confirm it.
7. Click on "Submit".

Your new Online Banking Password must follow these rules:

  • It must be different than your current Password.
  • It must be 8-25 characters in length.
  • Any combination of numbers, letters and "special characters" are allowed.

The following "special characters" are allowed: + _ % @ ! $ & * ~ 

 

Security – Other Online Activities

Be cautious when using online sites that require entering confidential information such as credit card numbers and banking routing numbers. Social media sites are useful for communicating and sharing information with friends and family.  But they can also be used maliciously to collect sensitive information about you. We recommend the following when using any online service or website:

  • Be sure that the websites you are visiting use appropriate security and encryption. It is very common to see that websites use a secure-socket layer (SSL) encryption. You can identify this by verifying that the web site’s URL address is “https://” rather than “http://”
  • Watch for error messages or security alerts when visiting websites, even if they are sites that you frequently visit. A security alert could indicate that the site has been compromised or could indicate that you are visiting a fraudulent site made to appear legitimate.
  • Be mindful of the information you share on your social media sites, such as birth dates, nicknames, pet names, etc.  Many secure services, including our Online Banking service, validate your identity by using security questions.  Be sure that answers to these security questions are not information you’ve made available on social media sites.
  • Whenever possible, avoid using unfamiliar or shared computers (such as hotel lobby PCs). These machines may have been previously infected with key loggers or other monitoring software to collect the information you enter or view.
  • Be cautious about the use of shared or public wi-fi networks when connecting to sites that require sensitive information, including Online Banking. Public networks can be configured maliciously to appear legitimate in order to monitor and collect the information you enter or view.

Security – Offline Activities

Information about your identity and your accounts is available off-line as well. It is important to take care to protect this information, as it may also be used to commit identity theft frauds. Here are tips to help protect yourself from theft that can occur away from the internet:

  • Do not carry sensitive documents or information with you when it is not necessary, including social security cards and passports.
  • Be mindful of documents and applications that require sensitive information such as social security number. Make sure you are interacting with a legitimate and trusted entity and that information is truly needed. If it is not required, do not provide it.
  • Don't provide your Social Security number or personal credit information to anyone who calls you over the phone. Only provide information when you initiate the call and are familiar with the business.
  • Take proper care of Bank statements, Credit Card statements, and other communications that contain sensitive information. Be sure to review the information for suspicious or unusual activity but also be sure to properly dispose of the documents when no longer needed. These documents should be shredded or otherwise destroyed so that they cannot be found and read by unauthorized individuals.
  • Monitor your credit reports regularly to identify any anomalies or unauthorized activities.

Security – Reporting Suspected or Confirmed Fraud

If at any time you feel that you have been victimized by fraud, including unauthorized access to your accounts and identity theft incidents, contact the Bank immediately by visiting a branch in person or via our contact information to report the incident.

As much as possible, please be prepared to provide information about the fraud to the customer service representative so that it can be effectively researched and investigated.

Security – Additional Resources

Federal Trade Commission Consumer Information resources:

Credit Bureau Contact Information:

Federal Bureau of Investigation (FBI) Common Fraud Schemes: