Personal Banking

Can You Say This About Your Bank?

Mobile Banking Security Tips

Treat your mobile device as you would your wallet.  You wouldn’t leave your wallet on a table in a public place and walk away.  Your mobile device contains personal, private information that you don’t want falling into the wrong hands – and if you’re banking with it, it IS your wallet.

Secure your mobile device with a password or a PIN.  This will make it more difficult for an unauthorized individual to access it and the personal information it contains.  

  • Set your mobile device to lock when not in use and to require a password or PIN to unlock it
  • Avoid using easily identifiable personal information for your password or PIN, such as a pet’s name or a birth date
  • Use symbols and numbers to make passwords more complex 
  • Change your password or PIN frequently

Take advantage of the other security features on your mobile device.  

  • Enable features like Find My Phone, remote disable and wipe, and encryption if they are available 
  • Set the security options on your phone to NOT auto-fill your User IDs or passwords
  • Ask your mobile provider what anti-virus or other security apps are offered and download and use them

Be careful how you use your mobile device.  

  • Do not “root” or “jailbreak” your mobile device; this alters the firmware on the device and could make it vulnerable to malicious code
  • Do not email or text message any personal information or login credentials; we will never ask you for this information via email or text
  • Do not share your mobile banking login credentials with any unauthorized person
  • Do not click on links or scan QR codes about which you are unsure
  • Be cautious when downloading apps:
    • Download only from reputable sources such as your provider’s app store to avoid infecting your mobile device with malicious code; and 
    • Always check the permissions the app requests to ensure those permissions match the features the application claims to provide
    • Download operating system and app updates promptly; they often contain fixes to security flaws
    • Be aware of your surroundings when banking; be sure no one is “shoulder surfing” (looking over your shoulder) while you are entering your username and password
    • Do not bank over public networks; they are NOT secure (you can disable your Wi-Fi and switch to a cellular network for a more secure connection)
    • Set your Bluetooth device to “undiscoverable” (which will render it invisible to other nearby devices, which could include an attacker’s device)
    • Disable Bluetooth, Wi-Fi or infrared interfaces when not in use (these interfaces can be used by nefarious  individuals to compromise your mobile device)
    • Always log out of your mobile banking app after completing your banking business 

Minimize stored information on your mobile device.  

  • Regularly delete text messages and unneeded files and clear your browser history
  • Before discarding or selling your device, remove all of your information from it

If your mobile device is lost or stolen:

  • If you’ve enabled features like Find My Phone and remote disable and wipe, use them.  If not, notify your mobile provider immediately; the provider can disable the device to protect the information on it
  • Notify us at 650-488-2512; we can immediately remove the permissions that allow your  mobile device to access your accounts
  • If you use your mobile device for online banking as well as mobile banking, change your online banking password as soon as you can
  • Notify the police if you know the device was stolen
  • Additional information from the FCC is available here:

Contact your local branch for more information.