open padlock on computer chip

Safe Banking Tips

Protect your identity and stay safe online.



Banking Tips

We are committed to helping ensure the safety of your financial identity, your financial assets, and your personal information, but we need your help.  We ask that you observe the following best practices. 

Customer Obligations

  • Never give out personal information, passwords or PIN numbers over the Internet.  The Bank will not call or email you for your information. Do not give or disclose any part of your Login credentials to anyone. Especially while on the telephone, online or while using the Internet.
  • Do not leave your account information in an open area accessible by others. This includes not leaving your computer unattended while connected to Macatawa Online Banking.
  • Please remember that many e-mail systems are not secure. Do not send your Password or sensitive account information in any public or general e-mail system.
  • You are responsible for the security of your computer. You should install a personal firewall or use firewall software on your computer and/or your network. Also purchase and install anti-virus and anti-spyware software and perform regular scans of your computer.
  • Change your passwords on a regular basis and choose passwords that are difficult to guess. Include punctuation, special characters, numbers and upper and lower case letters when creating a password.
  • Do not write down your password. Memorize it.
  • When you are finished accessing our web site, make sure you logout and close the browser window.
  • Beware of Phishing! (Pronounced fishing) Phishing involves the use of seemingly legitimate email messages and Internet websites to trick customers into disclosing sensitive information, such as bank account information, social security numbers, credit card numbers, passwords, and personal identification numbers (PINS). The fraudulent email message usually requests the customer to update or validate their financial or personal information in order to maintain their accounts, and directs them to a fake website that may look like the website of a legitimate business.
  • Review and reconcile your accounts on a daily basis and report any suspicious activity to Macatawa Bank immediately.
  • Establish internal controls, set transaction limitations, and impose a dual control environment.
  • Prohibit the use of “shared” usernames and passwords.
  • Verify use of a secure session by noting the https (not http) in the browser’s web address bar and looking for the picture of the lock either next to the address bar or at the bottom right hand corner of your browser.
  • If you believe that your accounts or security codes have been compromised, contact the bank immediately at 800-459-4801

Identity Theft

What is identity theft?

Identity theft occurs when skilled identity thieves, without your knowledge, gain access to a piece of your non-public personal information and use it to commit fraud.

How does identity theft occur?

Access to your personal information is gained through a variety of means.  For example:

  • Stealing records from businesses or other institutions
  • Rummaging through your trash (dumpster diving)
  • Obtaining credit reports by abusing access or posing as an employer
  • Stealing credit and debit card numbers
  • Stealing wallets or purses containing identification
  • Completing change of address forms to divert your mail to another location
  • Stealing personal information from your home
  • Scamming information from you by posing as a legitimate business person

What should I do if I think I could be a victim of identity theft?

  • Notify your banking institution immediately
  • Close any accounts that have been tampered with or opened fraudulently
  • Place a fraud alert on your credit reports and review your credit reports
  • File a report with your local police or the police in the community where the identity theft took place
  • File a complaint with the Federal Trade Commission (FTC)

You may also call 1-877-IDTHEFT, the Federal Trade Commission's toll-free ID Theft Hotlink, where counselors help consumers who want or need more information about dealing with the consequences of identity theft.

For additional up-to-date information on how to protect yourself from identity theft, please visit the FDIC or the Federal Trade Commission websites. 

You should also contact the three major credit bureaus and have them place a fraud alert on your file. 

Equifax
(800) 766-0008
www.equifax.com

Experian
(888) 397-3742
www.experian.com

TransUnion
(800) 680-7289
www.transunion.com

Online Fraud

On the Web, there are new types of criminals called “phishers”. These people may send very realistic e-mails pretending to be from your bank or some other organization you trust.

They are also using screens that pop up while you are on someone’s website trying to place an order. They may tell you your account is blocked until you update your files. Then they may ask you to provide sensitive account information like a PIN, social security number, accounts and card numbers or passwords.

Email Use:

  • Be alert for fraudulent emails, even though they appear to be from a reputable source.
  • Delete any email that requests your personal information immediately. Do not respond to it. Reputable businesses never request personal information in an email.
  • Never send your personal information via an unsecured email.
  • Do not open email attachments from unknown or unsolicited senders.
  • Be careful when clicking on a link in an email. Even though it is identical to the actual company’s website, it could be fraudulent. To check, open a new browser window and manually type in the URL provided in the email. If they don’t match, delete the email with the suspicious link immediately.

Online Security:

  • If you visit a website that is not what it claims to be, leave it immediately.
  • Be sure to do business only with companies you know and trust.
  • Watch carefully for imitation websites designed to trick you into giving out personal information.
  • Any sites that you do business with should have their Privacy and Security Statements listed on the website. Read them carefully.
  • Only provide sensitive personal or financial information when you have initiated it and only if the page is secure.
  • Choose passwords or Personal Identification Numbers (PINs) that are difficult to guess and use a different password for each of your Internet accounts. Change these passwords often.
  • Make sure the website is certified with a digital security certificate by clicking on the “closed lock” or "solid key” image located in the bottom bar of your browser window. A small frame with site security information will appear. Click the word “Subject” for Internet Explorer to verify that you are on the correct website. To verify the site certification authority, click the “Issuer” tab.

Online Crime Prevention Tips:

The FBI urges consumers to protect themselves when shopping online.  Here are a few tips for staying safe:

  • Be cautious if you lose an auction on an auction site, but the seller contacts you later saying original bidder fell through.
  • Make sure websites are secure and authenticated before you purchase an item online.  Use only well-known escrow services.
  • Research to determine if a car dealership is real and how long it has been in business.
  • Be wary if the price for the item you would like to buy is severely undervalued; if it is, the item may be fraudulent.
  • Scan files before downloading them to your computer.
  • Keep your computer software, including the operating system, updated with the latest patches.
  • Ensure your anti-virus software and firewalls are current - they can help prevent malware infections.

Virus Protection:

  • Keep current versions of you computer’s operating system and Internet browsers.
  • Make sure you promptly disconnect from the Internet when you are not online.
  • Keep your anti-virus software up-to-date to guard against new viruses. Download the anti-virus updates as soon as you are notified.
  • Always back up the files on your computer.

ATM Security

Macatawa Bank takes a number of precautions to ensure that our customers have a safe environment, but there is no substitute for good, cautious behavior on the part of our customers.  We recommend that customers follow these safety tips when using any ATM.

  • Always protect your PIN number, keep it a secret.  Never write it down or share it - not even family members.
  • Be aware of your surroundings, particularly at night.  Make sure the ATM is free of obstructions.  If you observe suspicious persons or circumstances, do not use the machine.
  • Don't hesitate to use a different ATM if you feel uncomfortable about the instructions or if something appears out of the ordinary.
  • Bring someone with you when using an ATM at night.  If you can't, use an ATM that is located in a public area like a bank or grocery store.
  • Have your ATM card ready and in your hand as you approach the ATM.
  • Use your body to "shield" the ATM keyboard as you enter your PIN.
  • Always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM.  Immediately put your money into your pocket or purse and count it later.
  • When using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked.  If you leave your car and walk to the ATM, lock your car.
  • Do not swipe your card in machines that look like they have been tampered with.
  • Check your account frequently and if you find any irregularities in your statement, contact us immediately.

Skimming

What is Skimming?

Skimming is a method used by thieves to capture data from the magnetic strip on the back of the ATM/Debit Card. Sometimes thieves will install a small, almost unnoticeable "skimmer" to the machine that can read the magnetic strip on a card. The device can also be rigged to "capture" your card, holding onto it instead of just reading it. Other times, workers in retail establishments may utilize a hand held skimmer.

Where does skimming occur?

Skimming can occur at gas pumps, ATM's, retail outlets, etc. The skimming devices are very small and when used on an outside source, like an ATM or a gas pump, are normally only attached for a few hours.

How to protect yourself?

  • Raise your awareness when you are using your card
  • Inspect the ATM, gas pump, or credit card reader before using it. Look for any devices on the face of it where you slide your card through.
  • If anything looks suspicious like a change in the appearance of the PIN pad, something inserted in the magnetic strip reader, don't use it and advise us right away.
  • Notify your financial institution of any ATM that is not working correctly or acting strange.
  • Make sure your card stays in sight if at all possible. If you are in a retail store, and they need to go to another counter to run the card, follow them.
  • Review your receipts and check them carefully against your statements

Social Security Number Tips

5 Don'ts to help protect your SSN

  1. Do not carry your SSN card with you daily or any documents that display your SSN - Keep them in a safe place and only bring them with you when you need them
  2. Do not put your SSN on your checks or other identifying documents
  3. Do not give out your SSN (or any other personal information) if YOU did not initiate the conversation with the contact.
  4. Do not use your SSN as an ID number on payroll or any other documents
  5. Do not use your SSN as your pin or the last four digits as a pin.

Phishing

What is it

Phishing is an attempt to acquire sensitive information such as usernames, passwords, online banking information, credit or debit card details for malicious reasons.

You could receive an email or a text that appears to be from a credible source says something similar to this:

  • We suspect an unauthorized transaction on your account.  To ensure your account is not compromised, please click the link below and confirm your identity.  
  • Please review your account with a link that appears credible.

What should you do

Do not click any links, do not reply and do not give them any personal information.  You can also forward phishing emails to spam@uce.gov AND to the company, bank or organization that is impersonated in the text or email.

Protect yourself

If you have clicked on a link in a phishing text or email and submitted your Macatawa Bank account or debit card information, please contact our Customer Service Center at (877) 820-2265 or (616) 820-1444. We will assist you in protecting yourself from fraud. 

For more information about phishing, visit https://www.consumer.ftc.gov/articles/0003-phishing

Protecting your privacy

Marketing Lists

To limit unsolicited marketing material you may receive from various companies through the mail, telephone, or e-mail, write the Direct Marketing Association at the appropriate address listed below.  You must provide your name, address and telephone number with your request (visit www.the-dma.org for more information).

Mail Preference Service
Direct Marketing Association
PO Box 643
Carmel, NY 10512
or online at www.dmachoice.org

E-Mail Preference Service
https://www.ims-dm.com/cgi/optoutemps.php

Do Not Call
www.donotcall.gov
1 (888) 382-1222
To opt out of prescreened credit card offers, call: 1 (888) 567-8688

 

Let's talk

We're happy to help.

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