Security of Your Information
Your Safety Comes First
Security is critical when it comes to financial transactions. Our first priority is to ensure the safety of your access and activity. To do that, we've utilized high-end firewalls and exclusive encryption software to prevent outside interference. In addition, when you log in to your NVB accounts, you will be asked to Set Security Data for Multi-Factor Authentication; an additional layer of security to our log-on process to help ensure that your information is protected. It will allow you to confirm that you are at the valid NVB online banking site and allow us to verify it really is you.
For your safety…
- Be sure to keep your password confidential
- Do not write your password down - memorize it!
- Use both letters and numbers (alphanumeric) in your password
- Your password should not contain words found in the dictionary or information personally related to you
- Change your password often
- Don't post information that can be used to compromise "information security" on any social media site
- Accept only known and trusted individuals into your social network
- Do not allow social media sites to scan your address book
- The highest available level of privacy and security settings should be selected and activated on any social media site
Security Tips for your Mobile Device
To help our customers protect themselves, we suggest they follow the advice of security experts and take at least some basic steps. Some of these include only using trusted and security-enabled WiFi providers; turning on the phone’s remote wipe service (to erase data remotely if the phone is stolen or lost); installing mobile tracking (to locate the phone or direct police); turning on encryption and passwords to protect information on the phone (available on newer phone models); and making sure apps installed on the phone are from a reputable source. Finally, it’s important to read online reviews from trusted sources to limit the risk of inadvertently installing malware.
Ensure Your Browser Is Secure
The information - like login IDs and banking account numbers - you share with Web sites is only as safe as your Web browser. Before you use our Online Banking or Bill Pay services, review your browser to ensure you are using the most current browser version available, all updates are installed and you’re using 256-bit SSL, which is the strongest encryption available.
Phishing: Avoid Becoming a Victim
Criminals are constantly improving their methods of stealing your personal financial information through fraudulent e-mails and Web sites designed to appear as though they were generated from legitimate businesses, financial institutions and even government agencies. This criminal activity is known as Phishing (pronounced "fishing"). They are literally fishing for your personal information. This information is money in their pocket.
Most legitimate financial institutions will never ask you to provide your user ID, password, account number, or Social Security number in response to an e-mail. Here are some additional tips to avoid taking the bait on a phishing attempt:
- Be suspicious of any e-mail with an urgent request for personal financial information.
Do not open attachments or click links in unfamiliar e-mails, as they may place programs known as "keystroke loggers" on your computer.
- Avoid filling out forms contained in e-mail messages or in pop-ups that appear over a legitimate company's Web site.
- If you are uncertain about an e-mail that purports to be from a financial institution, contact that institution directly by your initiation to give any update to your confidential information.
This Brochure will educate you on these scams, provide suggestions on how to avoid becoming a victim, and provide information on steps to take should you become a victim of phishing.
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a User ID, verify their identity through a multi-factor authentication process and password. Our system, the Internet Banking System, uses a lock-out mechanism after repeated unsuccessful login attempts. Upon successful login, the Digital ID authenticates the user's identity and establishes a secure session with that user.
Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing all traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet banking transactions are secure.