Personal Safety Tips

Chances are you spend a lot of time online, not just browsing but probably making transactions as well. It's imperative that you practice smart online safety habits. Below, find simple tips and great advice on how to keep safe online.

Practice good online safety habits with these tips and advice.

Keeping Your Debit Card Safe
  • Monitor your bank account and credit card accounts regularly and more frequently if traveling. Work with your financial institution to let them know when you are traveling and to ensure they have current contact information for you when shopping online.
  • Do not store your login credentials or your credit card information on websites.
  • Ensure your login credentials (user IDs and, specifically, passwords) for your computer, online banking, smart phones, websites, or any system where you log in have secure, complex passwords that are difficult to guess (ex: minimum of 9 characters long, using a combination of upper and lower case letters, numbers, and characters).
  • Ensure that computer protections are current (ex: firewalls, anti-virus software, etc.).
  • Low-tech fraud is still very successful … be suspicious of emails, text messages or voice messages where someone is asking for personal information. Ask your local branch how they contact you for suspicious activity and what type of information they will ask to confirm your identity. For example, your local branch will never ask for your card PIN.
  • Do not use your card at ATMs or POS terminals that appear to be tampered with or broken.
  • Do not write your PIN on your card and do not "loan" your card to another user.
Keep a Clean Machine
  • Keep security software current: Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats.
  • Automate software updates: Many software programs will automatically connect and update to defend against known risks. Turn on automatic updates if that's an available option.
  • Protect all devices that connect to the Internet: Along with computers, smart phones, gaming systems, and other web-enabled devices also need protection from viruses and malware.
  • Plug and scan: "USBs" and other external devices can be infected by viruses and malware. Use your security software to scan them.
Protect Your Personal Information
  • Secure your accounts: Ask for protection beyond passwords. Many account providers now offer additional ways for you verify who you are before you conduct business on that site.
  • Make passwords long and strong: Combine capital and lowercase letters with numbers and symbols to create a more secure password.
  • Unique account, unique password: Separate passwords for every account helps to thwart cyber criminals.
  • Write it down and keep it safe: Everyone can forget a password. Keep a list that's stored in a safe, secure place away from your computer.
  • Own your online presence: When available, set the privacy and security settings on websites to your comfort level for information sharing. It's okay to limit who you share information with.
Connect With Care
  • When in doubt, throw it out: Links in email, tweets, posts, and online advertising are often the way cyber criminals compromise your computer. If it looks suspicious, even if you know the source, it's best to delete or, if appropriate, mark as junk email.
  • Get savvy about Wi-Fi hotspots: Limit the type of business you conduct and adjust the security settings on your device to limit who can access your machine.
  • Protect your $$: When banking and shopping, check to be sure the sites is security enabled. Look for web addresses with "https://" or "shttp://", which means the site takes extra measures to help secure your information. "Http://" is not secure.
Be Web Wise
  • Stay current. Keep pace with new ways to stay safe online: Check trusted websites for the latest information, and share with friends, family, and colleagues and encourage them to be web wise.
  • Think before you act: Be wary of communications that implore you to act immediately, offer something that sounds too good to be true, or ask for personal information.
  • Back it up: Protect your valuable work, music, photos, and other digital information by making an electronic copy and storing it safely.
Be a Good Online Citizen
  • Safer for me, more secure for all: What you do online has the potential to affect everyone-at home, at work and around the world. Practicing good online habits benefits the global digital community.
  • Post only about others as you would have them post about you.
  • Help the authorities fight cyber crime: Report stolen finances or identities and other cyber crime to the Internet Crime Complaint Center and to your local law enforcement or state attorney general as appropriate.

How We Protect You

ATM and Debit Card Fraud Monitoring
You may not know it, but you have around-the-clock protection against the increasingly savvy perpetrators of card fraud. That's because your United Bank Card is protected by a fraud monitoring system. If fraud is suspected, you’ll receive a text message (from 37268) alerting you to the potential risk. If you do not respond to the text, an analyst will call you and will identify themselves as United Bank of Michigan’s Fraud Department on behalf of United Bank. If you cannot be reached, a message will be left asking you to return the call and speak to an analyst.
Here are key ways that United Bank helps to safeguard your information when you bank online:
  • 128-Bit Encryption-When you access your accounts and perform transactions within Online Banking, your information is protected by 128-bit encryption.
  • Multifactor Authentication-If you are a using our consumer online banking, we use a Multifactor Authentication program that uses your login in conjunction with a PC imprint to confirm your identity.
  • Secure Firewalls-The computer servers that run our Online Banking sites are protected by numerous firewalls to help prevent unauthorized access to our network. These firewalls are monitored 24/7 to prevent security breaches.
  • Session Timeouts-If you're signed on and not using your Online Banking for several minutes, your session will "time out." To resume your banking activity, you'll need to re-enter your User ID and Password.
  • Account Masking-All of your accounts are masked (XXXX1234) so anyone shoulder-surfing can't identify your account numbers.
  • IP Intelligence Systems-Sometimes called anomaly detection. United Bank monitors each and every login by comparing registered PCs, IP addresses, browser versions, city, state, country and several other factors to build a profile of each customer. Login exceptions that do not match existing profiles are reviewed by United Bank staff.
Additional services that enhance your security:

United Bank also offers the following free services to help increase your level of security:

  • Secure Message Center-Get account-related questions answered securely and privately through secure email.
  • Alerting Service-Account and transaction alerts can be delivered directly to your email, or mobile device in a real time fashion that can help flag suspicious activity in your accounts.
  • Electronic Statements-By electing to receive your account statements and notices electronically, it minimizes the potential for identity theft.