Education Center

Yampa Valley Bank's educational resources to help our customers learn more about information security and fraud prevention.  Watch our video tutorials to learn how to navigate both personal and business online banking, our mobile app, and more.

VIDEO TUTORIAL LIBRARYMOBILE DEPOSITS  COVID-19 UPDATES

Information Security

The best way to avoid becoming a victim of scams and frauds, is to protect your personal information.

We recommend setting up Alerts on your Yampa Valley Bank accounts,  to stay ahead of any fraudulent activity.

Alerts for Mobile BankingAlerts for Online BankingAlerts for Business Online Banking

Identity Theft Prevention

One simple way to protect yourself is by setting up a Multifactor Authentication (MFA) to your email. You can add this to your Gmail account here.

Read below to learn more about common online scams, and how to protect yourself from them.

10 Cybersecurity Tips

1. Enable the strongest authentication tools offered

2. Use unique passphrases as passwords
3. Do a system check and purge outdated apps and files
4. Manage social media settings and minimize information sharing
5. Use Wi-Fi judiciously and limit business over public Wi-Fi
6. Monitor account activity regularly and report discrepancies immediately
7. Back up intellectual property 
8. Read the fine print
9. Be mindful when shopping online 
10. Look for special indicators such as web addresses with https:// that denote extra measures taken to help secure your information

 

 

Fraud Education and Prevention

Whether it is school, work, or social events, many parts of our normal life have shifted from in-person to on-line. With these changes, unfortunately, also come malicious cyber-criminals looking to take advantage of this increased on-line activity.

Yampa Valley Bank puts the security of your information as our top priority. We want to remind all of our customers to do their part in keeping their information safe as well. 

Please remember that Yampa Valley Bank will NEVER call you asking for:

  • your entire Social Security Number
  • your online banking user ID or password
  • your entire debit card number
  • your debit card pin number

If you do receive a call that asks for any personal information as it relates to your bank accounts, please hang up immediately and call your local branch at 970-879-2993 or 970-824-3600 with any concerns. The call may even seem like it is coming from one of the bank's phone numbers; unfortunately with today's technology, caller ID numbers can be easily "spoofed."

In general, scammers continue to take advantage of fears and uncertainty surrounding COVID-19. Many emails and websites may promise vital information about the pandemic but are, in fact, scams that push malware or attempts to steal your passwords and personal information. 

Tips to prevent this from happening to you:
• Don’t open attachments or click on links unless you are 100% sure where they came from. If you aren’t sure, call the person at a number that you know to be accurate, or otherwise confirm legitimacy before clicking.
• Be careful about people using calls/voicemail or text message to get your personal information. If someone is calling or texting for personal information or payment information, just say no.
• Never give out your social security number by email, text, or over the phone to someone you don’t know
• Check your credit report once a year at freecreditreport.com to make sure everything looks correct
• Keep your financial institution up to date with your current phone number, email address, and mailing address so that they can get in touch with you if they have questions or concerns
• Look at your credit card statements daily or turn on notifications through your online banking. The amount of fraud is rising dramatically – turn on notifications for all purchases on your cards, set limits and check your statements daily. It’ll take a few minutes a day, but it can save hours of hassle if they aren’t discovered until later.
• There are some “hot topics” besides coronavirus. The CARES Act/Economic Relief. Shelter-in-place. Toilet paper. Criminals will use these buzzwords to make you want to click.
• Click here for additional information from the FTC regarding coronavirus phishing and malware attempts.

 

Types of frauds to look out for:

• Man-in-the-Middle Fraud

• Injured/Arrested Family Member Scam
• IRS Scam
• Secret Shopper
• Facebook Friend Scam
• Social Security Scam
• Medicare and Prescription Drug Schemes
• Bereavement Scams
• Investment Fraud
• Computer Virus Scam
• Computer Takeover
• Craigslist/Paypal Scam
• Lottery or Inheritance Scam

• Mortgage and Refinance Scams

Click Here To Learn About Each Scam

 

 

External Resources

Avoiding Social Engineering Attacks

In a social engineering attack, an attacker attempts to exploit someone’s trust in order to steal their information in order to commit fraud or identity theft. This resource describes the most common attacks and provides tips to steal information.

View PDF

Internet Banking Security

This is a list of websites meant to provide our customers with additional resources to learn more about information security and fraud prevention.

View PDF

Mobile Financial Services Security

This page details some security tips for protection your information while using mobile banking services.

View PDF

 

Online Security, Additional Resources

This page features a list of additional websites and resources regarding information security.

View PDF

Yampa Valley Bank IB Risk Assessment

This assessment is provided to assist commercial internet banking users in identifying threats and measuring the strength of their controls in place.

Download Assessment

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