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CB Access - Customers Bank

Information Security

Thanks to the Internet, access to information, entertainment, credit and financial services and everyday goods and services is readily available. However, the same Internet can provide someone the opportunity to improperly access your personal information and damage your finances and reputation.

Your information security is paramount to Customers Bank and we are here to help protect your money.  Here is some valuable information and resources that can help you minimize your risks while you are using the Internet and to help keep your identity, online and offline, secure.

Should you become a victim of identity theft, we have included additional tools and contacts to assist you.  Please be sure to contact your branch immediately.

Online Resources

A list of online resources is provided below where you can learn more about personal information security.

Federal Deposit Insurance Corporation
www.fdic.gov

FDIC Consumer Protection
www.fdic.gov/consumers/

Federal Reserve System
www.federalreserve.gov

Office of the Comptroller of the Currency
www.occ.treas.gov

Federal Trade Commission
www.ftc.gov

Credit Report Information

Equifax
www.equifax.com

Experian
www.experian.com

Trans Union
www.transunion.com

Customers Bank Security Measures

General Website Security

Security is top priority at Customers Bank.  We are committed to keeping your customer information secure.  We use a combination of state-of-the-art technology and methods to help to protect the security of your online session.

Secure Sign-on with Online Banking

The secure sign-on technology adds a layer of security for your personal and financial information while you are banking online.

Mobile Banking

CB Access from Customers has many built-in security features to ensure your account information is protected. These security features include authentication checks via strong passwords before access to account information is granted. Mobile Banking requires "128-bit" encryption technology for all communications. Personal or financial information is retrieved only when requested and is not stored on your phone - information is not at risk if your phone is ever lost or stolen.

Protect Yourself

Under no circumstances would Customers Bank ever contact you by telephone, send you an email or text message, or written communication on an unsolicited basis requesting that you validate or provide your online banking User ID and password, your social security number, account number, or date of birth.

Should you receive any type of unsolicited requests supposedly from Customers Bank asking for your personal information please contact your branch immediately.

 

Here are a few tips to help you safeguard your money and personal information.

Guard Your Personal Information

Never respond to requests for personal or account information online or over the phone. When your social security number is requested as an identifier, ask if you can provide alternate information. Watch out for convincing imitations of banks, card companies, charities and government agencies. Use legitimate sources of contact information to verify requests for information; such as your financial institution's official website or the telephone number listed on statements.

Stay Up to Date

Install anti-virus software on your computer and keep it updated. Use the latest version of your web browser. Install security patches and software updates as soon as they are ready to install.

Be Smart About Your Password

Use unique and hard-to-guess passwords. Try using a password that consists of a combination of numbers, and letters (both upper case and lower case, and special characters).

Use caution when accessing Wireless Connections

Wireless networks may not provide as much security as wired Internet connections. Many wireless networks in public areas like airports, hotels and restaurants reduce their security to make it easier for individuals to access these networks.

Go Paperless

Not only is going paperless good for the environment, it can help prevent mail theft.  Enroll in electronic statements, use direct deposit and make bill payments online.

What to do if you are a victim of Identity Theft

1. Place a fraud alert on your credit reports, and review your reports.

If you suspect your personal information has been used to commit fraud or theft, contact the fraud departments of the three major credit bureaus and request that a "fraud alert" be placed on your file. At the same time, request a copy of your credit report. Follow up in writing and include copies (not originals) of your documentation, such as the police report or your credit card statement with circles around the items in question.

Equifax
www.equifax.com

Experian
www.experian.com

Trans Union
www.transunion.com

2. Close the accounts that you know, or believe, have been tampered with or opened fraudulently.

Call and speak with someone in the security or fraud department of each company. Follow up in writing, and include copies (NOT originals) of supporting documents. It's important to notify credit card companies and banks in writing. Send your letters by certified mail, and request a return receipt so you can document what the company received and when. Keep a file of your correspondence and enclosures.

3. File a report with your local police or the police in the community where the identity theft took place.

Ask for a copy of the report. Credit card companies may need proof of the crime to erase the debts caused by identity theft.

4. File a complaint with the Federal Trade Commission.

By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims' complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces.

You can file a complaint online at www.ftc.gov/idtheft, by phone at 1-877-IDTHEFT (438-4338); TTY: 1-866-653-4261, or by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Be sure to call the Hotline to update your complaint if you have any additional information or problems.

Information Security

FREE Security Software for Windows/Mac


Help protect yourself against fraud when you bank, surf, and shop online. Download free Security Software for your Windows or Mac.

Trusteer Overview

Trusteer Rapport software complements your existing anti-virus and firewall software and provides an additional layer of security while you are banking, surfing, or shopping online.

Here are some examples of how Trusteer Rapport will benefit you:

  • Shields your online bank account from prying eyes
  • Safeguards your online banking identity and log-in details
  • Helps to stop malicious attempts against your system
  • Blocks advanced online malware threats immediately upon installation

In addition, Trusteer Rapport:

  • Takes only seconds to install
  • Is compatible with Windows, Mac and any of the four major Internet browsers

Although Customers Bank makes downloading Trusteer Rapport available, Customers Bank is not responsible for, nor do we guarantee the content or services provided by Trusteer Software. If you have any questions or concerns with the Trusteer Rapport product please contact [email protected].

Learn more about Trusteer Rapport security software.

About Trusteer

Help protect your online banking, online shopping and other sensitive information against malware and fraudulent websites.

Trusteer is a privately held corporation with specific expertise in enterprise and consumer desktop security. The company's principal product, Rapport, is a lightweight security software solution that helps online banks, brokerages, and retailers secure their consumer desktops from malware attacks and fraudulent websites.

Trusteer Rapport's primary goal is to prevent online fraud committed by financial malware. It protects you by locking down your browser and creating a tunnel for safe communication with online websites ensuring that account credentials are passed to genuine sources only.

Trusteer Rapport security softwareWhen you browse to a website in Internet Explorer, Firefox, Chrome or Safari, the Rapport icon appears next to the browser's address bar.

Here's what you'll see when you visit a site protected by Trusteer Rapport security software:

Protected by Trusteer Rapport security software

And here's what you see when you visit an unprotected site:

Unprotected website

Although Customers Bank makes downloading Trusteer Rapport available, Customers Bank is not responsible for, nor do we guarantee the content or services provided by Trusteer Software. If you have any questions or concerns with the Trusteer Rapport product please contact [email protected].

Learn more about Trusteer Rapport security software

System Requirements

Trusteer Rapport security software supports the following Windows and Mac platforms:

For Windows Operating Systems, 32-bit and 64-bit (Windows XP, Vista, Windows 7, Windows Server 2003/2008), Rapport supports:

  • Internet Explorer 6, 7, 8 and 9
  • Firefox 11 and 12
  • Google Chrome 17 and 18

Recommended Service Packs:

  • Windows XP SP3
  • Windows Vista SP2

For Mac OS X Leopard (10.5), Snow Leopard (10.6) and Lion (10.7) Rapport supports:

  • Firefox 10 and 11 (Including 64-bit version)
  • Safari 4, 5.0 and 5.1 (Including 64-bit versions)

Recommended Hardware (PC or Mac):

  • CPU: Intel Pentium 800MHz or better
  • Memory: 512MB RAM (or more) for Windows XP, 1024MB RAM (or more) for Windows Vista / Windows 7

Although Customers Bank makes downloading Trusteer Rapport available, Customers Bank is not responsible for, nor do we guarantee the content or services provided by Trusteer Software. If you have any questions or concerns with the Trusteer Rapport product please contact [email protected].

Learn more about Trusteer Rapport security software.

Password Security: Frequently Asked Questions

  1. Why must my password be so complicated?
  2. How can I remember a long password like the one you recommend?
  3. How do I change my password to a safer password?

1. Why must my password be so complicated?

Answer:  The short answer is, to better protect your identity and data from being stolen by hackers.

Example:  A person with a desktop PC, will be able to hack (steal) your password this quickly:

  • A simple 4 digit (number) password will be hacked (stolen) in .0004 seconds!
  • A password with 2 digits and 2 letters will be hacked in .0067 seconds!
  • A password with 3 digits and 3 letters (where at one letter is capitalized) will be hacked in 3 minutes
  • An 8 character password containing letters (some of which are capitalized), digits, and a symbol (like a comma, period, exclamation point, etc.) will take 85 days to hack.
  • A password with 10 characters containing letters (some of which are capitalized), digits, and a symbol (like a comma, period, exclamation point, etc.) will take 17,000 years to hack.  We recommend using a 10 character password with the above parameters – helping you protect your data is very important to us!  See the next answer on how to remember a 10 character password.

2. How can I remember a long password like the one you recommend?

Answer:  You could write it down and store it in a secure place – however, we do not recommend doing that.  A better solution is using a phrase that you will remember, such as:

Example:  Take the first letter of each word in a phrase, then add a punctuation mark and then digits.  An example would be, “I got married in May, 1984”.  Your password would then be, “IgmiM,1984”    Remember to have some capitals and no spaces – making sure your password is 10 characters in length.  This password would take 17,000 years to hack.


3. How do I change my password to a safer password?

Answer:  Follow these simple steps:

  1. Go to our website (customersbank.com) and select "Personal Banking Login" or "Business Banking Login" under online banking in the upper left part of the website.
  2. On the top center of the new page that opens, click on “User Options”
  3. Click on “Change Password”
  4. Read password requirement to better protect your data and identity. Your password must be between 8 and 12 characters long. It must have alt least 1 number, 1 upper case letter, 1 lowercase letter and at least 1 special character (comma, period, explanation mark, etc. – all are listed on the site)
  5. Type in your current password in the appropriate box, then
  6. Type in your new (ideally 10 character) password (as described in step 5) in the appropriate box, then
  7. Type in your new (ideally 10 character) password in the next appropriate box again to ensure it was entered correctly, then
  8. Click on “Change Password”
  9. Congratulations – you are now better protected!