Mobile Banking Security

Crest Savings Bank recommends using Mobile Banking from a modern Internet-enable phone which provides the same level of security as PCs using the SSL (Secure Sockets Layer) protocol for encrypting data flow between devices.

If you are using a mobile device please be aware of the following security information.

Lost/Stolen Device.

A person could gain sensitive information from a mobile device if there is no password to access the device. Further information could be compromised if the mobile device has been set to remember passwords to mobile banking applications. Crest Savings Bank recommends password protecting your mobile device upon powering up and with the use of automatic screen locks. We encourage you not to have your mobile device remember passwords and to utilize remote wipe apps such as Find My iPhone and Find my Droid.

Smishing.

Spoof text messages could be sent to you with links that download malicious software and/or apps that can be used for exploitation. Crest Savings Bank will never ask for any sensitive information in a text message and no account numbers will be visible in text message banking. Only trust messages from our short code – 454545.

Malware.

Malware could be installed on your mobile device that executes fraudulent transactions such as key logging and/or data scraping. Crest Savings Bank encourages customers to install Anti-Virus (AVS) programs on their mobile devices.

Fraudulent Apps.

Installing apps on mobile devices can have far reaching implications regarding the security of data contained on it as well as the general security of the device as a whole. Only download apps from trusted and approved app stores endorsed by the particular technology provider (iPhone, Droid, Blackberry, etc.) and service carrier. Certain mobile devices can be configured to block apps installed outside of trusted and approved app stores.

Jailbreaking.

Jailbreaking is a method of “self hacking” your smartphone in order to gain full access to all features of the technologies of smartphones. However, this makes the smartphone extremely susceptible to malware, viruses, and other malicious programs. We highly encourage customers to not jailbreak their smartphones.

Bluesnarfing.

Bluesnarfing is the theft of information from a wireless device through a Bluetooth connection. Bluetooth is a short range high speed wireless technology used for sharing information between devices. Devices with Bluetooth enabled by default and “always on” may present a target for exploitation and interception of data which can be done undetected. We encourage you to keep Bluetooth turned off by default and only use when necessary. Make sure Bluetooth is turned off when conducting any mobile banking transactions/inquiries.

Operating System Updates.

Devices such as iPhones, Blackberrys, and Droids frequently update Operating Systems (OS) thereby increasing risk of apps developed under a previous OS version not working once updated.

If you experience a suspicious incident related to Mobile Banking, please report it immediately to our Operations Department by calling 609-522-5091.

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