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Mobile Banking Security

Easy, breezy for you. Serious business for us.

Mobile banking is about as quick and convenient as it gets. While you're enjoying banking on the go, you can count on Liberty to take the worries out of electronic transactions. As you'll see below, we take extraordinary precautions to protect your identity and info every second of your mobile banking session.

How we protect your mobile banking sessions.

128-bit encryption – No one … not even your wireless carrier … will be able to eavesdrop on your mobile banking sessions or to decipher any info sent to your phone.

Secure login – If you lose your mobile device, your strong user name and password should keep anyone who finds it from logging in.

Automatic inactivity logout – If your mobile banking session is inactive for 5 minutes or you close the application without clicking “log off,” we automatically close the session for you.

Lockout – Even if someone tries to guess your password and user name, we’ll shut them down after five incorrect login attempts. Please call our Customer Service Center, identify yourself and we’ll reset your credentials or from a PC go to Liberty-Bank.com and click on the username/password help link located within the login section for Online Banking.

Account masking – Only the last four digits of your account number will appear on your screen when you’re in mobile banking.

Our Mobile Contact Policy

Liberty Bank will never contact you via text asking you to respond with account or other personally identifying info. Please do not fall victim to a text purporting to be from us and requesting your account number(s), Social Security number, or other personal information. The best policy is to immediately delete the text.

Things You Can Do To Protect Yourself

Secure your device

  • Create a strong password for your mobile device that is easy to remember, but hard to guess. Don’t use common words, names, birthdays, or any personal info in your password.
  • Use your device’s auto-lock feature to secure your device after five minutes of inactivity.
  • Don’t share your device. Since these devices only accommodate one log on, it’s best to keep them to yourself to protect your personal info.

Back up and protect your data

  • Back up your data regularly by syncing your mobile device with your personal computer.
  • Delete any text messages or emails that contain sensitive info (for example, your driver’s license number, Social Security number, password, account number). In fact, it’s smart not to disclose any sensitive or personal info about yourself via text or email.
  • Promptly download any updates for your mobile device’s operating system. These commonly include security patches.

Download secure applications

  • Before installing a new app, check the ratings and comments. Understand what the app does and what info it may access on your device. 
  • Only download mobile apps from authorized vendors like the Apple App Store, and the Android Market.

Know what to do if you lose your device

  • Report the loss immediately to your carrier (personal devices) or your company (if your company owns it). Here are quick links to several major US carriers: AT&TSprint, T-Mobile, Verizon.
  • Immediately go online and change your device’s passwords for financial and personal accounts to prevent identity theft or fraud.

Don’t override your device’s protections

  • Although overriding (also called rooting or jailbreaking) your device’s limitations may be tempting, this could leave you vulnerable to attacks and perhaps void your warranty.

Info For Apple Users

  • Turn off the Simple Passcode feature so you can create passcode with more than four digits.
  • Set the Auto Lock feature to require the reentry of a passcode after five minutes of inactivity.
  • Set the Require Passcode feature, which activates after the display has been idle for a certain period of time or if you press the Sleep button. This will require entry of a passcode to wake up the device.
  • Enable Data Erase by setting the number of failed passcodes that can be entered before all data is erased. (BTW, as long as you regularly back up your device by syncing with iTunes, you will not lose your data.)
  • Set up Find My Phone to help you locate it if it’s lost, and to remotely wipe info, if necessary.
  • Only connect to networks you trust. To ensure that you do not randomly connect to any available Wi-Fi network, activate the Ask to Join Networks function.
  • For apps than contain sensitive data, set a separate passcode for each on your device.
  • Delete any messages with sensitive info.
  • Only download apps from the Apple App Store.
  • Use Apple’s iCloud service to back up devices with IOS5. Once you set up the service, it encrypts your data and backs it up daily as long as you are connected to the internet via Wi-Fi, are connected to a power source, and have your screen locked.
  • Download all operating system updates (because they may contain security patches). To receive the latest, connect to iTunes. If you are using IOS5 or greater, you can receive these updates over the air by going to Settings/General/Software Updates.
  • For more, go to the Apple security page.

Info For Android Users

  • Create a password that is easy for you to remember, but difficult for others to guess.
  • Set the Lock Phone After feature to require a new password after five minutes.
  • Turn off the Visible Passwords feature to keep it from displaying on the screen in view of others.
  • Turn off Use Secure Credentials which automatically allows apps to access secure certificates and credentials.
  • Turn off Wi-Fi when you are not connecting to a wireless network to ensure you don’t inadvertently connect.
  • Only download apps from trusted stores such as the Android Market or the Amazon App Store. (There are other app stores selling Android apps, so take the time to research them prior to downloading.)
  • Delete any messages with sensitive info.
  • Set a separate password for every app you access that contains sensitive info.
  • Download all updates to the Android operating system (because they may contain security patches). Check with your service provider or your device manual for more on accessing updates.
  • For more, go to the Android security page.


 
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