How We Secure Our Online and Mobile Banking Services
Encryption: We use technology to scramble messages exchanged between your web browser and Jefferson Bank & Trust’s online banking server. Encryption also secures our mobile banking app that you can download to your smartphone. We’re among the St. Louis banks that make secure banking and privacy one of our top priorities.
Unlike many other St. Louis banks that treat privacy and security as afterthoughts, high security is our standard – not just our goal. We work with other St. Louis banks to fight fraud in our community.
How to Protect Yourself On the Internet — Advice from St. Louis Banks
- Safeguard your personal information, account numbers, User ID, password, card numbers and PIN numbers. Exercise caution when providing any of this information to persons/entities over the Internet or in person.
- Verify that all e-mails pertaining to your accounts come from a verified Jefferson Bank & Trust e-mail address and domain. Someone from Jefferson Bank or any other St. Louis banks will not call you or e-mail you with a direct request for your account information.
- When clicking links provided by Jefferson Bank & Trust or by other St. Louis banks, make sure that the domain at the top of the browser is the correct domain.
- Be careful when using a computer in a public area where someone could watch you enter your User ID or password, even if it’s at St. Louis bank. Be cautious when entering your PIN at an ATM at Jefferson Bank or at any other banks in St. Louis.
- Don’t access the websites of any St. Louis banks when connected to a public wireless connection – your transmissions could be intercepted by criminals.
- Install security software (anti-virus, anti-spyware, and a firewall if you are using an older version of Windows or Mac OS) on your computer to prevent your personal and account information from being stolen by criminals without your knowledge when accessing St. Louis banks online. Keep your operating system, internet browser, and security software updated.
- Avoid sharing usernames and passwords with other accounts at other St. Louis banks or with Jefferson Bank. Avoid using the same password and username for other non-banking websites. Use a unique username and password to enhance your banking security.
- Keep your password secret. Change passwords on a regular basis using a combination of letters, numbers, and special characters. Avoid using obvious passwords like maiden name, children, or pets.
Advice for Secure E-mail Use
- Never give out or confirm private financial information by e-mail, even when seemingly requested by employees from St. Louis banks. Contact the financial institution that is requesting this information to verify that it is legitimate.
- Do not respond to unsolicited e-mail offers from strangers – especially those requesting account numbers. If anyone requests financial information or personal information, be suspicious.
Advice from St. Louis Banks on Avoiding Fraudulent Schemes
- Phishing: Uses fraudulent emails or pop-up Web pages that appear to be from a legitimate source, often using a company’s name, logo, and/or graphic, sometimes from St. Louis banks. These emails are designed to get you to share personal or account information. Recognizable logos don’t always mean that it’s secure: look at the domain name.
- Pharming: Occurs when you enter a Web address but are redirected, without your consent, to a fraudulent site that looks similar to a legitimate site. The intent is to capture confidential information.
- Spoofing: Spoofing occurs when a fake financial or retail website is set up with the same look and feel of a legitimate website for the purpose of gaining personal information. The domain name may be misspelled by a small number of characters.
- Fake Check Scam: You receive a large check in the mail with instructions to deposit it, keep a portion of the funds for your trouble, and immediately send out the rest the money (usually by wire transfer, Western Union or through the purchase of money cards). Beware! This is a scam. Most likely, the check is a fake that will be returned to the bank unpaid. Anytime someone you do not know sends you a check and requests that you send money somewhere it is likely to be a scam.
- Identity Theft: When someone uses your personal information without your permission to commit fraud. Many people are falling victim to a new breed of criminal known as "identity thieves." These are crooks that operate in both the physical and virtual worlds, searching for opportunities to steal valuable pieces of personal information that belong to someone else.
Note: Jefferson Bank & Trust will never ask for personal information on a non-secure page. Please call us at (314) 621-0100 if you are ever in doubt about the validity of a request or a page on our web site.