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CBT will be closed Monday, January 21st in observance of Martin Luther King Day.


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Online Banking Fraud Protection Best Practices

 

Guidelines for Online Banking Cash Management


ACH (Automated Clearing House) Batches

  • Use pre-notification transactions to verify that account numbers within your ACH payments are correct.
  • Use limits for monetary transactions at multiple levels: per transaction, daily, weekly, or monthly limits.
  • Review transaction reporting regularly to confirm transaction activity.
  • Utilize available alerts for ACH activity.

Administrative Users

  • Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or other viruses.
  • Dedicate and limit the number of computers used to complete online banking transactions; do not allow Internet browsing or e-mail exchange and ensure these computers are equipped with latest versions and patches of both anti-virus and anti-spyware software.
  • Delete online user IDs as part of the exit procedure when employees leave your company.
  • Assign dual system administrators for online cash management services.
  • Use multiple approvals for monetary transactions and require separate entry and approval users.
  • Establish transaction dollar limits for employees who initiate and approve online payments such as ACH batches, wire transfers, and account transfers.

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