Personal Banking

Online Banking - User Security Tips

Protect Access to Your Accounts

Before using Online Banking:

• Make sure that your computer has up-to-date firewall, antivirus, and anti-spyware software. Have your anti-virus software check for, and update, your anti-virus signatures daily. You wouldn't leave the front door of your house open for would-be thieves - having no protection on your computer is an equally tempting invitation to online thieves
• Check for available patches that will fix known flaws to your programs and operating systems. Configure home computers to be notified automatically of new patches as they become available in the future

While Using Online Banking:

• Use a password that is as secure as possible. Avoid the obvious, such as birthdays, children's names, or words you find in a dictionary. Use a password with a variety of letters, numbers, and symbols. Use a different password for every site that mandates a password and change passwords every six to twelve months at a minimum
• E-mail is frequently unencrypted, so even if you access your financial information from a secured Web page, be wary of sending sensitive information such as account numbers, passwords, and other personal information through e-mail. Make sure that your anti-virus software scans your incoming e-mail as it is received
• Protect personal information. Never respond to an e-mail asking for information such as your date of birth or Social Security number. If it seems suspicious, call the business at a phone number you know is correct
• Know with whom you're doing business. Read the "About Us" section of the site. It should provide information about the company, its history, and how to contact it. Watch out for copycat sites that mimic a legitimate site. Always ensure that you are really logging on the correct Web site, particularly for banks and other financial institutions
• Always log off properly after you have completed your online business. Follow the secure area exit instructions to ensure the protection of your financial information

Online Banking System Security

NJM Bank provides data security between the customer browser, and our Web server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. In addition, SSL provides a security "handshake" that is used to initiate the connection. This handshake results in the client and server agreeing on the level of security they will use and fulfills any authentication requirements for the connection. Currently, NJM Bank's online banking application supports data encryption at the highest level (128 bit). In order to get this level of encryption, you will need a browser that supports it. Both versions 3 and 4 of the most popular browsers support 40-bit encryption as a default, and have complete versions as well as patches that will support the stronger 128-bit encryption. Check with your browser manufacturer's Web site for more information.

Online Banking Supported Browsers:

*Safari 1.2 requires Macintosh OS X 10.3 or higher

Other System Settings and Assumptions:

Note: In all cases, the following system settings are assumed: