Personal Online Protection

Recent Fraud Notices

Mobile Deposit Capture Scams

Banks across the country are reporting that customers are falling for a new form of fraud known as a mule scam. Customers are recruited through Facebook, social media, or other forms of contact through what appear to be work-at-home jobs, low rate loan offers, or other opportunities where the customer is lured as a money transfer agent. The customer is told they will receive deposits into their account with instructions on withdrawing the funds and forwarding money or gift cards to a designated contact person. The customer is told they will receive a percentage of the proceeds as commission.
The customer is next instructed to provide online/mobile banking usernames and passwords to the contact person. The action will allow the fraudster to log in to the accounts to access mobile check deposit services to deposit their checks. The checks are then returned after the holds expire and the customer has already removed the funds.
Drummond Community Bank as always, takes great strides to prevent schemes such as these but all customers should be aware that fraudsters come up with new schemes each and every day. If it does not feel right, odds are it is isn’t! If it sounds too good to be true, it is! Please alert us to any such potential scams that you may feel are being perpetrated by contacting us and the local police department with as many details as possible. Thank you and stay alert!


Home Depot Debit Card Vulnerability Investigation

On September 2, 2014 Home Depot notified MasterCard and law enforcement of a possible data breach and an investigation has been initiated.  At this time details of the extent of lost data have not been released.  As we receive information we will begin the notification of effected customers.  As a best practice, remember to monitor your online account and monthly statement for unusual activity.  If you identify any unusual activity, contact us immediately.


Heartbleed Bug

What is the Heartbleed Bug?
The Heartbleed Bug is a “bug” or flaw in programming. This weakness makes information protected under normal conditions, such as data transactions made online using certain versions of Open SSL software, vulnerable.  This could allow attackers to eavesdrop on communications and retrieve sensitive data such as usernames, passwords and credit card details from websites running the affected versions of the software. 

Are my Drummond Community Bank accounts safe?
Our Online Banking Services do not use OpenSSL, therefore have not been affected by this problem. 
At Drummond Community Bank protecting your information is our top priority.  We monitor our systems daily and perform a variety of Vulnerability Tests to ensure the security of all systems and your personal information. Since learning of the Heartbleed Bug, our third party vendors have taken additional precautions to protect our systems.

How can I protect myself?
We encourage our customers to monitor their accounts for suspicious activity and to notify us immediately if they find a suspicious transaction.  We also provide the following Guidelines on Protecting Yourself which include creating strong passwords and changing them frequently and never conducting banking transactions while multiple browsers are open.

How to Further Protect Yourself

  • User ID and Password Guidelines
  • Create a "strong" password with at least 8 characters that includes a combination of mixed case letters, numbers, and special characters.
  • Change your password frequently.
  • Never share username and password information with third-party providers (Drummond Community Bank will never ask for your password).
  • Avoid using an automatic login feature that saves usernames and passwords.

General Guidelines

  • Do not use public or other unsecured computers for logging into Online Banking.
  • Check your last login date/time every time you login.
  • Review account balances and transaction details regularly to confirm payment and other transaction data and immediately report any suspicious transactions to a Drummond Community Bank representative.
  • View transfer history available through viewing account activity information.
  • Take advantage of and regularly view system alerts.
  • Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.
  • Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.
  • Never leave a computer unattended while using Online Banking.
  • Never conduct banking transactions while multiple browser are open on your computer.

Tips to Avoid Phishing, Spyware and Malware

Do not open email from unknown sources. Be suspicious of emails purporting to be from financial institutions, government departments, or other agencies requesting account information, account verification, or banking access credentials like passwords or PINs. Opening file attachments or clicking on web links in suspicious emails could expose your system to malicious code that could hijack your computer.

Never respond to a suspicious email or click on any hyperlink embedded in a suspicious email. Call the purported source if you are unsure who sent the email.

Tips for Internet Usage

  • Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.
  • Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.
  • Ensure computers are patched regularly, particularly operating system and key application with security patches.
  • Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.
  • Check your settings and select, at least, a medium level of security for your browsers.
  • Clear the browser cache before starting an online banking session in order to eliminate copies of Web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser's preferences menu.

Tips for Wireless Network Management

  • Wireless networks can provide an unintended open door to your personal or business network. Unless a valid business reason exists for wireless network use, it is recommended that all wireless networks be disabled. If a wireless network is to be used it is recommended that it be secured as follows:

    • Change the wireless network hardware (router/access point) administrative password from the factor default to a complex password. Save the password in a secure location as it will be needed to make future changes to the device.
    • Disable remote administration of the wireless network hardware (router/access point).
    • If your device offers WPA encryption, secure your wireless network by enabling WPA encryption of the wireless network. If your device does not support WPA encryption, enable WEP encryption.
    • If only known computers will access the wireless network, consider enabling MAC filtering on the network hardware. Every computer network card is assigned a unique MAC address. MAC filtering will only allow computers with permitted MAC addresses to access the wireless network.
Privacy & Security

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