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Southern Missouri Bank of Marshfield's
Consumer Tips for Mobile Banking Security
- Password-protect your mobile device and lock your device when it's not in use. Keep your mobile device in a safe location.
- Frequently delete text messages from your financial institution on your mobile device, especially if they contain sensitive information.
- Never disclose personal information about your accounts via a text message, i.e. account numbers, passwords, or any combination of information that can be used to steal your identity.
- If you change your mobile number or lose your mobile phone, immediately contact your financial institution to change the details of your mobile banking profile.
- Do not hack or modify your device, as this will leave it susceptible to infection from a virus or Trojan. When possible, install mobile security software on your device (if it's available). Some mobile security solutions include: AhnLab Mobile Security, avast! PDA Edition, Kaspersky Mobile Security, and Norton Smartphone Security.
- Be aware that malware exists and fraudulent applications will continue to pop up. Don't download applications onto your phone without checking them out first. Verify the legitimacy of an application with your financial institution before downloading it to your smartphone -- verify that the app publisher or seller is your financial institution, or if possible, go through your financial institution's web site to download the application.
- Report any banking application that appears to be malicious to your financial institution right away.
- Monitor your financial records and accounts on a regular basis and consider having electronic alerts on account activity sent to your email or mobile device. Regularly review your statements with online banking. This will enable you to spot any suspicious activity.
If you have been a victim of identity theft, contact your financial institution immediately. You should also place a fraud alert on your credit report and continue to review your credit reports. Close the accounts that you know (or believe) have been tampered with or opened fraudulently, and file a complaint with the Federal Trade Commission (FTC). Go to www.ftccomplaintassistant.gov for more information.
Using mobile banking can actually help deter some fraud because it gives you an easy way to check your account on a regular basis and notify financial institution more quickly if you see suspicious activity.