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Fraud Prevention
5 Tips: Protect Your Checking Account
by First Financial Bank

You’ve worked hard for your money so it’s important make sure the accounts holding those funds are secure. At First Financial Bank, we are constantly on guard.

Our Security page is an excellent resource to learn more about the latest scams we’ve uncovered and how to protect yourself.

There also are some simple steps you can take to beef up security on your checking account and protect it from unauthorized access — as well as the occasional authorized mistake.

Monitor account activity vigilantly

This is the single most important thing you can do. Be aware of the money coming in and going out of your checking account.

Our online and mobile banking options help you easily stay on top of your account balances. Set up alerts for instant notifications about account activities. If anything looks fishy, you’ll know and can immediately report it to our Client Service Center team.

Create a strong password for mobile and online banking

You know the drill, but it’s worth repeating: do not use “123456” or “password.” Do not use any combination of letters and numbers that could be easily guessable from a quick scan of your Facebook profile. This includes things like your kids’ birthdays, your pet’s name or even the street on which you live.  

For maximum protection, experts recommend a password of 16 characters, including a combination of lowercase and uppercase letters, numbers and symbols.

Change your password often

We know, we know. You’re still reeling from the idea of remembering a 16-character password and now we’re telling you to occasionally change it up.

Make changing your password for all your accounts a regular part of your online life, especially if you hear about a data breach in the news. If you absolutely must keep a log of passwords, make sure you don’t store it on your computer or in a place where others can find it, such as your wallet or purse. 

Memorize your PIN

Don’t share your debit card Personal Identification Number (PIN) with anyone, and never write it on the back of your card.

Be especially wary of any phone call or email asking for any personal information, such as PINs, credit card numbers or social security numbers. Business with whom you work should already have that information and shouldn’t have to ask for it. Triple check the legitimacy of anyone asking for this information before you disclose it. Our Client Service Center team is always here to answer your questions.

Add overdraft protection from a secure account

Peace of mind and security is just as important when it comes to completing a transaction that you have authorized, even when you’ve miscalculated the funds in your account. First Financial Bank offers two convenient services to move funds from another secure account:

· Ready Reserve is an unsecured line of credit subject to credit approval.1 If you overdraw your account, funds are transferred to your checking account to cover any check, ATM or debit transaction. You will be notified for your security and can pay back your ready reserve account at any time.

· Dynamic transfer will move funds from another First Financial Bank account to cover the negative balance and overdraft transfer fee.

We are a community bank, not just a bank in your community, and we hope these tips are helpful as we help you reach your financial goals.

 

1 A transfer fee is charged when your line is used.