Security and Protection

Skimming

Skimming is the result of criminals illegally copying the information contained on your payment card’s magnetic strip. This information is then used to make unauthorized purchases, cash withdrawals, or in the production of counterfeit cards. Skimming is the fastest growing fraud problem in the U.S.

Click here to find out how skimming takes place.

Phishing

An industry organization, the Anti-Phishing Working Group (http://www.antiphishing.org), reports that identity theft frauds known as “phishing” (pronounced fishing) attacks have increased significantly over the last year. “Phishing” is the term used to describe illegal attempts at collecting personal financial data through the use of fraudulent emails solicitations and websites. These emails and websites will appear to represent legitimate businesses, institutions or government agencies. These scams are contributing to the rapid rise in identity theft, payment card and internet fraud.

Click here  to learn more about Phishing scams.

Enhanced Security Features for Home Banking

At American First, we’re dedicated to keeping your personal information secure. Enhanced Login Security, in Home Banking and Bill Pay adds an additional layer of protection that helps to safeguard your personal information. Along with your User ID and Password, we employ further authentication methods providing increased security.

Click here for more information.

Zero Liability

When you use Home Banking, you can be confident that your online accounts are fully protected and 100% insured. We guarantee zero liability for any funds improperly removed from your account via Home Banking, including Bill Pay, subject to your responsibility described below.

This includes funds removed from any of your online accounts as a result of:

• Online theft of your account number or password
• Unauthorized online removal of funds from your accounts

Information Security

Safeguarding your information is our highest priority. All personal information requested or displayed on our website is encrypted to prevent unauthorized access to data. Our Hacker-Safe security system is checked and certified daily.

Your Responsibilities

As explained in the Home Banking Agreement, you are responsible for keeping your online password, account numbers, personal identification information and other account data confidential.

• Review account statements regularly and report any suspected unauthorized activity immediately by calling 800/ 290-1112.
• Protect your Account Number and Password. If you share this information with someone, all transactions they initiate with the information are considered authorized by you, even transactions you did not intend for them to make.
• Do not leave your computer unattended during a Home Banking session. In addition, always remember to "Sign Off" at the end of each session and close your browser window.
• If you suspect that someone else has your password or personal information, call 800/ 290-1112 immediately.
• Please keep in mind that although multiple safeguards are in place to protect your online banking security, we cannot be responsible for Member errors or negligent use of Home Banking services.