Banking on the go using your mobile device is easy and convenient. Below are some helpful tips we recommend you follow to keep your sensitive information private and secure when using your mobile device.
What you can do
Update your mobile devices
Mobile devices are essentially small computers with software that need to be kept up-to-date just like a PC or laptop to protect against viruses and malware.
- Be sure to keep firewalls, anti-malware, and anti-virus protection up-to-date. Anti-virus software may not be available for all mobile devices.
- Make sure your operating system and security software stay up-to-date.
- Don’t jailbreak or root your mobile device to work around limitations set by your carrier or device manufacturer; it can remove protections that defend against mobile threats.
- Backup the device's data and keep the copy in a safe and secure location; this will allow you to restore your data in the event you need to wipe the device clean.
Think before you app
Make sure you only download apps from reputable sources to ensure the safety of your personal and account information. Make sure to download device and app updates regularly, as these often include fixes to security flaws.
- Utilize anti-virus protection for your phone, tablet, e-reader or any other device that has mobile access to the Internet (if available). The software should have the ability to scan your device, identify and remove malware, and check applications before they are downloaded to your device.
Mobile device security software
While it’s common practice to protect your desktops and laptops with anti-virus software, it is much less common to similarly protect your smartphone or tablet. Threats to your security include virus apps and active hackers. As more of us rely heavily on our mobile devices and with potential digital danger around every corner, it is imperative to ensure they are protected with anti-virus software and security software.
Below are links to several vendors that offer mobile security software:*
* We do not endorse a particular software or company and do not offer technical support for any of the software listed on this page. We encourage you to research the information provided and contact the appropriate companies with any questions you may have about their products or services.
Additional security recommendations:
- Never disclose via text message, phone call or email your personal or financial information, especially account numbers, passwords, Social Security Number or birth date. Giving this information places your finances and privacy at risk.
- Avoid saving personal or financial information on your mobile device.
- For your security, always log out when you finish using the AmericanBank Mobile app rather than just closing it.
- Disable Bluetooth when not in use. Disconnecting Bluetooth, a non-secure connection, helps prevent attackers from obtaining information or sending malicious code into your mobile device.
- You should pay close attention to app-installation permissions and make sure new apps are scanned by anti-virus software.
Guard your personal information
Protect your mobile device just as you would your computer. Be sure to always store your device in a secure location.
- Secure your mobile device by using a strong password and periodically change the password.
- If your device has the biometric identifier** available, take advantage of that feature to provide an additional layer of security by using biometric authentication. Once this feature is turned on, you will also be able to use it to access some of the Apps on your device that have this technology enabled.
- Be cautious about the sites you visit and the information you release.
- Periodically change your online banking password.
- Do not share your Sign-On ID or Password with others.
** Biometric identifier means a distinctive and measurable human characteristic that can be used to label and describe any individual. A biometric identifier includes, but is not limited to, fingerprint, face, voice, iris, retina and handwritten signature - as long as the identifier is unique for the individual.
Remember, you are responsible for keeping your Sign-On ID, password, account numbers, personal identification data and other account information confidential. For more information, view the Security Procedures section in the AmericanBank Online and Mobile Consumer Access Agreement or AmericanBank Online and Mobile Business Access Agreement.
Access your accounts from a secure location
- Avoid using a public Wi-Fi with unsecured wireless access such as networks found in airports, hotels, and restaurants; if someone hacks your connection, they may be able to intercept information you are transmitting, such as your banking credentials or other sensitive information.
- When banking and shopping on your mobile device, check to be sure the sites are secure. Look for web addresses with https: in the address. This means the site takes extra measures to help secure your information. Many sites now feature a color-coded browser. If you see a green highlighted browser, this is a safe site. However, yellow and red sites should be avoided.
How we protect you
We value the trust you have placed in us to protect your personal information. Below are several ways that we help to safeguard your information while using mobile banking:
- We use 128-bit encryption to protect your accounts, just as they are when you use our AmericanBank Online.
- Your mobile banking session automatically "times out" after several minutes of inactivity and you will be prompted to re-enter your Sign-On ID and Password if you would like to sign back in.
- Your full account number is never revealed on your mobile device – only the last four digits of your account are visible.
- Multi-factor authentication provides enhanced security each time you login.
In addition, we want to assure you that we will never send you emails or text messages asking you to provide, update, or verify personal or account information, such as passwords, social security numbers, PINs, debit or credit card numbers or other confidential information. If you receive any communication from someone posing as American Bank requesting such information, please contact us at 888.366.6622 to confirm authenticity.
Protect yourself from mobile fraud
Mobile phones and tablet devices offer convenience, but they are also easy to lose or steal. Here are some ways you can protect yourself now in the event your device is lost or stolen later:
- Password-protect your device or enable the biometric identifier login feature (if available) so it cannot be accessed without the password or your biometric identifier.
- Enable an automatic screen-locking mechanism to lock the device when it’s not actively being used.
- Consider using a remote wipe program that gives you the ability to send a command to your device that will delete any data.
- Keep a record of the device's make, model and serial number in case it's stolen.
If your device is lost or stolen:
- Call your wireless carrier (or visit their website) to report the incident.
- Suspend your mobile number.
- Contact the Bank to report the case at 888.366.6622.
- Change your online banking password.
- Wipe (erase) or lock down your device to remotely disable your device.
If you suspect any of your personal information has been compromised or if you have suspicions about the authenticity of an American Bank mobile banking app, please contact us immediately at 888.366.6622.