Protecting your online security is serious business. We have made it our priority to have several layers of security when you log in to your online banking. These security layers include multi-factor authentication, which includes passwords, security questions and computer authentication.

For your own personal protection it is always good to:

  • Change your password frequently (recommended every 6 months)
  • Use a password that contains a minimum of 8 characters
  • Include in your password at least one capital letter, one lower-case letter, one number and one special symbol
  • Store your passwords in a secure location
  • Never share your password
  • Update operating system patches regularly


This is when internet fraudsters act as a familiar business to trick you into giving them your personal information. Don’t reply to an email, text, or pop-up messages that ask you for your personal information or financial information. It is also important that you do not click on links within these types of messages, even if the message is from an organization that you trust. You will not be asked for sensitive information through insecure channels from any legitimate business. Examples of phishing messages may be as follows: “We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below and confirm your identity.” “Our records indicate that your account was overcharged. You must call us with 10 days to receive your refund.” The reason that fraudsters may ask you this information is because they are phishing for your information to commit fraud on your accounts.

Virus and Spyware

A computer virus is a small software program that is designed to spread from one computer to another and interfere with the operation of the computer. A virus or spyware can capture your usernames and passwords, damage programs, delete files, reformat your hard drive as well as other destructive outcomes. The way that viruses can be transferred to your computer are from websites, emails, links in emails and removable storage such as a USB drive. Spyware is software that aids the fraudster in gathering information about an individual or an organization without their knowledge. Spyware is difficult to detect and can slow your computer down as well as gather personal information. The best way that an individual or an organization can protect their computer from a virus or spyware is to install a recommended antivirus program. Once you have installed an antivirus program on your computer it is very important to keep the software updated, but be aware that antivirus software is no guarantee that your computer is not, or will not, be infected. You may want to consider having your computer periodically checked by a qualified company.

Identity Theft

This happens when someone steals your personal information and identity to perform a fraud or other criminal act. There are many different ways that criminals can obtain your information such as stealing your wallet, picking through your trash, or by compromising your bank or credit information. If you are the victim of identity theft crime it will wreak havoc with your finances, credit history, and reputation. Listed below are some tips to avoid identity theft:

  • Never throw away ATM receipts, credit statements, credit cards, or bank statements in a usable form.
  • The only time you should give out your credit card number over the phone is if you were the one that initiated the call.
  • Reconcile your bank statement immediately upon receiving it.
  • Review a copy of your credit report at least annually for unauthorized activity.

Debit Card Fraud

If you suspect fraud on your debit card, notify us immediately by calling us at (440) 293-7605. If it is after hours, you can put a block on your card by calling 1-800-472-3272 (option 2). You may also send an email to  We will contact you as soon as possible to begin an investigation.