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Consumer Alert

Rabun County Bank is committed to making your experience on the Internet safe and enjoyable. While we take every precaution to ensure your safety, there are several steps you can take to minimize your risks. The following are a few suggestions.

Account Security Tips

All of our electronic banking products provide several safety mechanisms to protect your Account. You can enhance your online safety by keeping your Account numbers and passwords private, and by guarding your other financial information.

Your User ID and Password

To access NetLine and Business eBanking, you need to create a user ID and password. To help ensure that only you can view your Account information:
  • Never reveal your password to anyone
  • Keep your password secret
  • Change your password periodically

Never select to remember passwords. This will enable the next user of a multi-user machine to access your account with cached information.

Sending E-mail to Customer Service

Since sending personal information via traditional e-mail is not completely secure, we recommend that you login to NetLine and use Bank Mail to send requests to our Customer Service representatives. To contact Customer Service via e-mail:
  1. Log in to NetLine.
  2. Click on the "Message Center" and "Contact Us" link. Most questions will be answered within 24 hours.

End Your Secure Session Completely

If you don't log out of NetLine, you could potentially allow others using the same computer to access information saved or cached in the memory of the browser. When you are ready to leave NetLine always:
  • Log out by clicking the "Sign Out" link on the menu
  • Close your browser’s window before you leave the computer as an extra precaution

Protect Your Account from Scams

An increasingly common scam—called "phishing"—uses official-looking e-mails to deceive consumers into disclosing their sensitive personal information. The e-mail often directs the recipient to a "look-alike" Web site of a legitimate business, tricking consumers into thinking they are responding to a valid request. Here are some ways to avoid getting caught by one of these scams:
  • Do not provide your vital Account information by e-mail or phone unless you initiated the contact. Rabun County Bank will never send an e-mail asking you to reply with your Account or personal information.
  • Never click on a unidentified web address in suspicious e-mail. Close your browser window immediately.

If you receive an e-mail that claims to be from Rabun County Bank that you suspect might be fraudulent, contact your nearest branch immediately. A Customer Service Representative can verify whether or not the e-mail was actually sent by Rabun County Bank.

Stay Secure

Create a strong password. When logging onto a secure site, choose a password that others can’t guess but is easy to remember. Use a combination of numbers and letters. For example, select a word you can remember but replace some of the letters with numbers, e.g., secret=s1cr1t. Avoid using family or pet names, birth dates, anniversaries or social security numbers.

Do business only with companies you know and trust. Just because a Web site exists doesn’t mean there’s a legitimate company behind it. Research a company before revealing personal or financial information.

Watch out for phony "look-alike" sites. Some con artists disguise their Web site as a well-known company’s site. Check your browser’s address bar to make sure you’re always using the correct Web address. If the Web site seems suspicious, leave it immediately and call the company.

Only submit personal information if you are on a secure Web site. When sending private information, make sure the Web address starts with an "https" ("s" means it’s a secure area) or your Web browser frame features a closed padlock. If not, any information you’re sending can be read and copied by a hacker.

Secure Your Computer

Use the most current antivirus software. New viruses pop up all the time. Make sure your antivirus software uses the latest antivirus signature files. Signature files make it possible for the software to detect viruses. You should be able to download and install updates through the software vendor’s Web site. Most antivirus companies offer subscription services to ensure you get the latest updates.

Keep your operating system up to date. Operating system updates and upgrades are released often to repair security flaws that are found after the operating system software was first released.

Make sure your operating system software (Microsoft® Windows or Macintosh®, for example) is currently supported by its supplier and has the latest security updates. Since new vulnerabilities may be discovered at any time, we recommend that you use an automatic update service.

Protect your computer from hackers. Being connected to the Internet means information continually travels freely to and from your computer. An easy-to-install personal firewall helps you screen out unauthorized communications to your computer and can prevent hackers from gaining access while you’re online. This is especially important if you connect to the Internet via a cable modem or a digital subscriber line (DSL) modem.

Prevent Identity Theft

One of the fastest growing crimes in the United States is identity theft. Identity theft happens when someone uses your name or personal information to commit financial fraud. By following these simple steps, you can help safeguard your personal information and protect yourself and your credit rating.

Protect Your Identity

Keep your personal information in a safe place. Don’t carry your birth certificate, social security card or passport with you unless you need to use it. Always make copies of the originals and keep them in a safe place. If you lose such documents, contact the appropriate government office immediately.

Review your financial statements regularly. Check your bank and credit statements each month for any suspicious activity. Request and check your credit report at least once a year for mistakes or fraudulent use. If you come across any suspicious activity on your accounts, contact the respective financial institutions immediately.

Dispose of confidential information securely. Shred important documents to prevent con artists from collecting private information from your trash.

Report Fraud

Act quickly. If you suspect your identity or financial information is being used fraudulently, call your bank and credit card companies immediately. The sooner you act, the better the chances of catching the culprit and of limiting the damage.

File a police report. The best way for the authorities to bring criminals to justice and prevent future fraud is through sharing information. Your police report helps authorities gain insight on how the crime was committed.

Prevent Future Fraud

The minute you learn your identity is being used fraudulently, place a fraud alert on your name and social security number. This helps prevent future fraud and further tarnishing of your personal and financial records. Call the three national credit-reporting organizations and the Social Security Administration immediately to place a fraud alert on your name and Social Security number. The numbers are:
  • Equifax: 1-800-525-6285
  • Experian: 1-888-397-3742
  • TransUnion: 1-800-680-7289
  • Social Security Administration (Fraud Line): 1-800-269-0271

NMLS# 448995