FirstBank safeguards information according to established security standards and procedures in order to keep your financial information secure and confidential. In addition, we continually assess new technology for protecting information and have external vendors perform regular audits of our system. The result is a "distributed security" network, one that ensures protection throughout the banking process, on your computer, during the transmission of information, and in the bank's own computer systems.
Distributed security means that, rather than rely on one security measure, FirstBank uses many lines of defense to protect your account information, including encryption, firewalls, timed log off, virus protection, and a secure login process. Whether you're signing up online for Online Banking, transferring money or paying your bills, you can depend on your accounts and your account information being safe.
FirstBank uses Transport Layer Security (TLS) encryption for customer online transactions, and each session uses a unique master key to encrypt messages. Encryption is a communications process that scrambles private information to prevent unauthorized access as information is being transmitted between your browser and FirstBank. Once you sign off, the master key used for that session becomes useless, since it is only good for one session. Before you are able to login to Online Banking, you must be using an Internet browser that supports 256-bit encryption, the highest level of security available.
We recommend you use the latest version of Microsoft Edge, Internet Explorer, Chrome, or Firefox on Windows, or the latest version of Safari, Chrome, or Firefox for Macintosh to access Online Banking, as our experience has been that the service performs best with these browsers. To download the most current versions of these browsers, click on the appropriate link below.
FirstBank's computer system does not connect directly to the Internet, as every system that interacts with the Internet is at risk of attack from hackers. To protect our systems that interact with the Internet, we use firewall technology to prevent unauthorized access. A firewall is a system that blocks unauthorized interactive access from individuals or other networks.
In addition, we use outside security experts to attempt unauthorized attacks, both internally and externally, to ensure our systems are secure. We also monitor our systems for unauthorized entries, and log any such attempts.
If you forget to log off or if your Online Banking session is inactive for more than 10 minutes, FirstBank does it for you by ending your current banking session. Once the account has been automatically terminated, no one will be able to access your secure information. You will need to log back in with your User ID and Password to access your Online Banking Service.
You authenticate your Online Banking session by entering your unique User ID and password, both of which are encrypted as they pass over the Internet and before they are stored on our system. When you sign up for Online Banking, you select both the User ID and password, and we do not have access to your password to further increase security.
Fraudsters are clever and constantly devise new methods to commit fraud at your expense. There are a number of known payment-forwarding or payment-scams. These scenarios typically involve online job seekers who are asked to accept payment into a personal bank account and then forward or transfer money from this personal account to another bank account. As payment for this "service," the job seeker is instructed to keep a small percentage of the original money. Common sense in these cases is often the best protection: "if it sounds too good to be true, it probably is."
Online Banking provides the ability for customers to enroll and receive account related information by email or text message. Among other alert options, you may choose alerts for specific account activity, such as deposits and withdrawals, and in instances where a preset limit, a daily balance for example, is met for your account. If you receive an alert for a transaction that you don't recognize or didn't perform, please contact our Online Banking Customer Service at (303) 232-5522 or (800) 964-3444.
Your Online Banking logon credentials are important and keeping them secret is essential to preventing unauthorized access to your account. In order to protect you and the bank, make your password unique to you. Your password should be something that would be hard to guess for someone who knows you.
If you forget your User ID, password or the answers to your security questions, you can contact FirstBank's Online Banking Customer Service at (303) 232-5522 or (800) 964-3444. Additionally, your password can be reset online by clicking here.
Virus protection is an additional tool to help combat computer viruses and malware designed to cause harm or steal personal information. Keep your protection software updated to help detect the latest viruses. Additionally, install browser and operating system updates as soon as they become available.
Fraudsters continually think up new ways to steal your personal information or to trick you into releasing this information. Fraudsters may pose as authentic websites or use emails with malicious links in an attempt to gather your personal information. Many of these attempts are convincing, as they may include legitimate company names and logos. Remember that FirstBank already has this information on file and will not request this information unless you are already logged into our secure website.
Use privacy settings on social networking sites to control who has access to the information you publish. Don't publish personal information such as your social security number, your mother's maiden name, your home address, your full date of birth, your phone number, your kids' names or when you won't be at home. All this information invites identity or home theft.
Protect your mobile device by requiring authentication as simple as a password to access the device, and make sure you can remotely wipe your personal information off the device in case the phone is lost or stolen.
Virus protection is not just for your computer anymore. Protection for your tablet or smartphone is just as important. Applications to help protect your mobile device are readily available on all platforms.
Review your credit reports carefully. Each major credit reporting agency is required to provide you with a free copy of your credit report once a year, upon your request. Look for any credit inquiries from companies unfamiliar to you or for accounts that you did not open. These can be red flags for identity theft. To order your free annual credit report, visit www.annualcreditreport.com or call toll-free 1-877-322-8228.
Visa Secure is a service designed to reduce fraudulent online card activity and requires additional validation for certain online transactions. Some transactions may require a one-time passcode via text or email. This passcode is required in order to complete the transaction. You will not need to enroll in this service to be protected by Visa Secure.
Visa Secure is a risk based process where only the riskiest transactions will require additional verification. Additionally, not all merchants participate in the Visa Secure program. Because of this, only a small percentage of online card transactions will require additional cardholder verification.
No. Visa Secure will work with your current debit or credit card. However, the one time passcode is only available for consumers, not commercial accounts.
Visa Secure protects you by requiring an additional verification step for higher risk transactions. This additional requirement is an effective way of preventing online debit and credit card fraud.
Because the one time passcode is sent to the phone number or email we have on file, it requires you to access your email or text message in order to complete the transaction.
If the one time passcode is not entered correctly, the following message will be displayed: "Please re-enter your code". You will have the ability to reenter the passcode or click the link to request another code.
If you receive this message, "For security reasons, your card has been blocked and your transaction cannot be authenticated. Please contact customer support at the number on the back of your card or 1-800-964-3444" for assistance.