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Online Security

On an almost daily basis, users of the Internet are warned about the latest hacking, infectious spyware or keystroke logging incident perpetrated by criminals who are seeking to profit illegally by obtaining your financial information and/or identity. Fight back against this crime by arming yourself with the knowledge to protect your identity. We encourage you to download or view this essential information:

The good news? Identity fraud recently fell almost 30 percent last year according to a 2011 report. This reflects a continuing progressive trend and signals that the hard work of many businesses and banks working to protect data and prevent fraud is paying off. The bad news? Well, just ask the 8.1 million adults who were victims of fraud in the United States what the experience was like.

Fraud is still a major threat, one Regions takes seriously. On an almost daily basis, users of the Internet are warned about the latest hacking or infectious spyware incident perpetrated by criminals who are seeking to profit illegally by obtaining your financial information and/or identity. Fight back against this crime by arming yourself with the knowledge to protect your identity and ensure your Internet security. We encourage you to read this essential information:

It is important that you take the appropriate online security steps to protect your computer from unlawful invasions.

There are several manufacturers of firewall and anti-virus software; we encourage you to research what works best for you. In addition, some valuable consumer sites where you can learn more about the benefits of protecting yourself online include www.CNET.com and www.consumerreports.org.

Remember, it is always best to be on the defense when it comes to protecting your financial security.

Anti-Virus Software
Viruses are simply programs or a piece of code that is downloaded to your computer without your knowledge. Viruses can and normally do replicate themselves and may quickly use up your computer's available memory and bring your operating system to a standstill. Most of these types of viruses are disguised as email attachments. When the attachment is opened the virus attaches itself to your system – many times without your knowledge.

As a result, anti-virus software programs have been created to help protect your system from these unwanted attacks. Your protection against these virus attacks is dependent on maintaining your updates and using precaution when opening email attachments. Should you receive a suspicious email, it is best to delete the email immediately and run a virus check.

Firewalls
Firewalls are the first line of defense in protecting your private information. They are used to prevent unauthorized Internet users from accessing your private computer while it is connected to the Internet. If you have a broadband connection such as cable modem or DSL, it is especially important to maintain a firewall.

The firewall can be set up to filter all traffic entering or leaving through the firewall. By examining each of the messages it can block transactions that do not meet your predetermined security criteria.

There are several manufacturers of firewall software; we encourage you to research what works best for you.

Combating Spyware
The term "spyware" is a generic term for advertising software (also referred to as "adware"). It enables advertising firms to install a tracking program on your computer. In most cases, these are legitimate firms who simply want to track user behavior and promote products.

While in some cases this may be just a nuisance, there are also malicious hackers who have created spyware programs for the purpose of collecting sensitive data from your system as well as installing additional software. Your computer is vulnerable and – more importantly – your privacy is at risk when spyware is used by criminals.

You can combat spyware programs with software designed to find and delete the programs from your computer. In addition, these sorts of programs can protect you from downloading spyware in the future. We recommend you research what is best for you. You can find more information at these sites: Microsoft Security, Spyware Doctor and www.getnetwise.org.

System Updates
Keep your computer "healthy" by properly maintaining your system. Computer manufacturers offer auto-updates or reminders that notify you when a new update or upgrade is available for download. Many times these updates are created to help protect your system from possible security flaws.

By regularly maintaining your operating system, Web browser and software programs, your computer will be at less risk for an attack.


Credit Bureau Reporting
When was the last time you reviewed your credit report? There are three major credit bureau reporting agencies and – depending on where you apply for credit – the credit-issuing company may review reports from one or all of these to determine your credit rating. For a minimal fee, you can request and obtain a copy of your credit report.

We recommend you customarily review your reports to review for errors and for credit that may have been obtained through illegally using your identity. Upon obtaining your report, review it carefully and immediately notify the reporting agency of any errors. Each of the agencies provides information on how to correct any errors you may find.