Fraudulent phone calls are ever-increasing. Scammers often use “spoofing” – where they falsify the information transmitted to your Caller ID to show a different phone number, coming from a trusted source such as your bank. YNB would like to remind our customers that we will NEVER call you and ask for your Account Number or Debit Card information such as the number, the 3 digits on the back, or your pin number. — Hang up immediately and contact any of YNB’s 5 locations for assistance. — It is also important to regularly back up your phone to ensure the most recent security updates are applied.
YNB’s free online and mobile banking services offer several options that allow you to bank from your home, office, smartphone or mobile device at your convenience – 24 hours a day, seven days a week.
Online banking features include Bill Pay and access to eStatements. Download the Mobile Banking app and view account balances, transfer funds and mobile deposit on the go.
Mobile Banking Customer Security Awareness
Best Practices for Protecting Your Financial Information
Mobile banking provides convenient access to your accounts; however, cybercriminals frequently target mobile devices and banking applications. Following the recommendations below can help reduce the risk of fraud, identity theft, and unauthorized account access.
Device Security
- Use a strong PIN, passcode, or biometric authentication such as fingerprint or facial recognition.
- Configure your device to automatically lock after a short period of inactivity.
- Never share your device PIN or passcode with others.
Keep Your Device Updated
• Install operating system updates as soon as they become available.
• Install mobile banking app updates promptly.
• Keep device firmware and security patches current to address known vulnerabilities.
Mobile Anti-Malware Protection
- Consider installing reputable mobile anti-malware or mobile security software.
- Run periodic scans for malicious applications.
- Remove applications you no longer use.
Safe App Practices
- Only download applications from official app stores.
- Verify the publisher before installing any financial application.
- Avoid jailbreaking or rooting your device.
Multi-Factor Authentication (MFA)
- Enable MFA whenever available.
- Never share one-time passcodes or authentication codes.
Network Security
- Avoid conducting banking activities over public Wi-Fi.
- Use a trusted network or cellular connection when accessing financial accounts.
- Disable automatic Wi-Fi and Bluetooth connections when not needed.
Fraud and Phishing Awareness
- Be cautious of unsolicited texts, emails, or phone calls requesting account information.
- Do not click links from unexpected messages.
- Contact your financial institution directly using known contact information if you are uncertain.
Protect Personal Information
- Do not store usernames, passwords, or account information in unsecured notes or messages.
- Monitor account activity regularly and report suspicious activity immediately.
- If Your Device Is Lost or Stolen
- Contact your financial institution immediately.
- Change passwords associated with mobile banking.
- Use device location and remote wipe features if available.
Remember: Your financial institution will never request your password, PIN, or one-time authentication code through email, text message, or unsolicited phone calls.