Fighting Fraud

It’s not a matter of if you’re exposed.
It’s a matter of when, and for how much.

First National Bank Alaska’s Business Online Banking can help you fight fraud with:

“Real time” account access – Monitor your account daily for suspicious activity.

Positive Pay – You send us a file of the checks you issue. We compare it to checks processed on your account. If the check number and dollar amount don’t match we pull for your verification.

Reverse Positive Pay – You pull your daily transaction activity off Business Online Banking and reconcile with your records. If a check doesn’t match, either through fraud or a coding error, corrective action will be taken that day.

Bill Pay – Pay your bills electronically and reduce the paper trail, avoid lost or stolen checks and save time and money.

Here are some fraud prevention and security tips for businesses and consumers from First National Bank Alaska’s Security officials:

REPORT FRAUD IMMEDIATELY

If you or a customer notice an online account has been hacked, call the bank, store or credit card company that owns your account. Reporting fraud in a timely manner can help minimize the impact and may lessen your personal liability. You should also change your account passwords for any online services associated with your mobile device using a different computer that you control.

PROTECT YOUR INFORMATION

You’ve probably heard news stories about organizations panicking because laptops with confidential information on them have been lost or stolen. But even if there isn’t any sensitive corporate information on your laptop or mobile device, think of the other information at risk: information about appointments, passwords, email addresses and other contact information, personal information for online accounts, etc.

SECURE YOUR MOBILE DEVICES

Many computer users, especially those who travel for business, rely on laptops and personal internet-enabled devices like smartphones and tablets because they are small and easily transported. But while these characteristics make them popular and convenient, they also make them an ideal target for thieves. Make sure to secure your mobile devices to protect both the machine and the information they contain.

LIMIT THE RISK

Your smartphone, tablet or other device is a full-fledged computer. It is susceptible to risks inherent in online transactions. When shopping, banking, or sharing personal information online, take the same precautions with your smartphone or other device that you do with your personal computer—and then some. The mobile nature of these devices means that you should also take precautions for the physical security of your device and consider the way you are accessing the internet.

MORE MOBILE DEVICE SAFETY

Avoid connecting your mobile device to any computer or charging station that you do not control, such as a charging station at an airport terminal or a shared computer at a library. Connecting a mobile device to a computer using a USB cable can allow software running on that computer to interact with the phone in ways that a user may not anticipate. As a result, a malicious computer could gain access to your sensitive data or install new software.

DON’T FALL VICTIM TO PHISHING SCAMS

If you are in the shopping mode, an email that appears to be from a legitimate retailer might be difficult to resist. If the deal looks too good to be true, or the link in the email or attachment to the text seems suspicious, do not click on it!

Visit FNBAlaska.com/business_online.html for more information.