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Security FAQs

Security FAQs

Questions And Answers

What is Vishing?

Vishing is a tactic that fraudsters use that involves social engineering. Often times by use of phone through text message requesting action. The fraudster will then attempt to solicit your personal information to either try to gain more private information with that info, or try to open new accounts in your name.

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What is Pharming?

Pharming is a scam where a fraudster will install malicious code on a personal computer or server. The code will redirect clicks you make on a particular website to a fraudulent website without your consent or knowledge. Be suspicious of the websites you visit when you are entering any financial information.                        

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What are characteristics of a secure password?

Characteristics of a secure password include but are not limited to:

•Contains Special Characters

•Is not a reused password

•Is a long password- at least about 10 characters, try creating a phrase or sentence and use the first letters of each word. Also, this password is not an actual word and only you will remember it. I.e: create a phrase like 'I hope the Giants will win the World Series in 2016' and take first initials and letters to create the password 'IhtGwwtWSi2016!'''. 

•The password is not written down

•Not used on a public computer

•Password is changed frequently

 

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What is Multi-Factor Authentication?

Authentication that requires beyond login credentials, either by way of a designated security question or one time passcode delivered to a personal email address or cell phone.

This Authentication creates an extra barrier for a hacker looking to access your accounts

Have you ever been frustrated by having to put in a code from a text after initial login? The simple extra step for you allows for greater protection of your account information.

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What is a DOS attack?

A denial of service attack is an attempt to make a machine or network resources unavailable to its intended users. This affects primarily individual users on personal networks.

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What are common steps to protect myself or my business?

  • Educate your employees.
  • Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location.
  • Partner with your bank to prevent unauthorized transactions. Talk to your banker about programs that safeguard you from unauthorized transactions, such as
  1. Positive Pay
  2. Credit/Debit Filter,
  3. Device Authentication, multi-person approval processes and batch limits which help protect you from fraud.

Pay attention to suspicious activity and react quickly.

Understand your responsibilities and liabilities.

 

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What is Malware?

Malware is a term for any software that gets installed on your machine and performs unwanted tasks, often for some third party's benefit. Malware programs can range from being simple annoyances to causing serious computer invasion and damage. (e.g, stealing passwords and data or infecting other machines on the network).

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What are Botnets?

Botnets are generally networks of computers infected by malware (computer virus, key loggers and other malicious software) and controlled remotely by cybercriminals, usually for financial gain or to launch attacks on website or networks.  Botnets may infect and use laptops, desktops, servers, routers, smartphones, or any other network equipment to conduct malicious activity.

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What are common steps to protect my mobile device?

-Use a strong passcode lock and or biometrics on your smartphone and other devices.

-Log out completely and close the app when you finish a mobile banking session.

-Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”

-Avoid storing sensitive information like passwords or a social security number on your mobile device.

-Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.

-Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when entering in sensitive information.

 

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What to do if your identity has been compromised?

  • Call the Cardinal Bank call center immediately at 703.584.3400 so they can have your card blocked and or close your accounts.Cardinal provides round the clock service with call back after hours and on the weekends.
  • Contact the fraud unit of the three credit reporting agencies. Place a fraud alert on your credit report and consider placing a credit freeze so the criminal can’t open new accounts. The fraud unit numbers are:
  • Equifax: (800) 525-6285
  • Experian: (888) 397-3742
  • TransUnion: (800) 680-7289
  • Report the fraud to the Federal Trade Commission at consumer.gov/ID theft or call 1-877-IDTHEFT (1-877-438-4338).
  • File a police report.
  • Make sure to maintain a log of all the contacts you make with authorities regarding the matter. Write down names, titles and phone numbers in case you need to re-contact them or refer to them in future correspondence.

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What is a Trusteer Rapport?

Trusteer Rapport is a security software solution that helps protect your online accounts by providing an additional layer of security to any anti-virus or security software you already use.  By protecting your Internet connection, Trusteer Rapport creates a tunnel for safe communication and to help block malicious attempts to access your accounts.  Learn more with our FAQs or view the video.  Or, get Trusteer Rapport now for Online Banking or for Cash Management Online.

3 Reasons to Download Trusteer Rapport Include:

  • Free to you as a Cardinal Bank Customer
  • Takes just minutes to install and runs along side your current antivirus software
  • Alerts you upon visiting a suspicious website that may have resulted from Phishing

Learn More about Tusteer Rapport and how it can better protect you.


 

 

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