Mobile Banking employs industry best practices with regards to security. Every time you access your accounts online, you are protected with a multi-layer security system designed to identify you in a number of ways. The multi-layer approach uses these three layers:

• Login Credentials - while logging in, you are asked to provide your username and password.
• Device Monitoring - if you login from a device (tablet, phone or PC) that is not recognized you may be asked to verify with a one-time passcode sent via SMS text message or phone call.
• Geographic Indicators - if access is being requested from a location from those we have observed in the past we may ask you to verify with a one-time passcode sent via SMS text message or phone call.

Mobile Banking users must enter a unique username and password in order to see any information before use. You may also deactivate your phone's Mobile Banking capabilities through Online Banking in the Authorized Devices menu under Settings.

• Use a PIN/password on your devices.
• Only download applications and updates/patches to your devices from a reputable source.
• Install firewall, anti-virus, anti-spyware and anti-malware software on your devices as applicable and keep them current.
• Never access Online or Mobile Banking services using public wi-fi networks or otherwise insecure internet connections.
• Always be wary of an offer “too good to be true” and other phishing emails or texts used to trick a recipient into revealing personal information, clicking on a malicious link, or opening a malicious attachment.