Safety Tips

Site Security

We employ many physical and automated security measures to ensure against unauthorized users from accessing Banking applications. These measures include monitoring all logon attempts into Internet Banking, physical security of our computer’s hardware, and multiple firewalls and specialized software programs that oversee all external communications in our network.


You are required to have a password to access Proficio Bank’s Internet Banking. Do not share your password with others or use the same password from other websites. EMPLOYEES OF PROFICIO BANK WILL NEVER ASK FOR YOUR PASSWORD.

You will be required to answer a series of challenge questions at the time of enrollment. These questions may be repeated to you periodically when logging on to our site.

Proficio Bank’s Internet Banking site has an Extended Validation certificate. This will be displayed as a padlock on the  URL address bar found in your browser’s URL. Do not proceed if the padlock on the URL address bar is not present.

Mobile Malvertising

Malvertising is the use of online advertising to spread malware. While SMS (text) and email are both common ways to get malware onto devices, mobile devices are becoming increasingly common targets due to application overlays and advertising.

Application overlays are fake front ends for popular apps and sites designed to trick users to provide personal information for banking accounts and social media. Some websites can download malware directly onto your device after merely visiting a site that includes one, even if it’s just for a second.

These types of malware can usually be prevented by using ad blocking software. This will block ads and malware from appearing on websites and can even protect against accidental clicking. In addition, it’s important to keep all of your devices up-to-date with the latest security patches and updates to prevent your devices from becoming vulnerable to outdated issues.

Safety Tips

Avoid using passwords that can be easily attributed to you. Use numbers as well as uppercase and lowercase letters when creating your password, and never save a password to your desktop. The longer the password the harder it is to hack. Consider using a passphrase instead of a password.  A passphrase is using an entire phrase for your password for example Th3Ye11owHorse3ats is a passphrase. You should generally change your password at least once every 60 days.

Be wary of any pop up windows that may appear during an Internet Banking session. Remote Access Trojans, or “RATS”, can often be downloaded onto otherwise legitimate websites. Call customer service to determine legitimacy before you give away any personal information.

“Phishing” emails disguised as letters from legitimate companies are common. Be cautious of any email asking for PIN numbers, passwords, or credit card information. Check any such emails you receive carefully for typographical errors or unusual grammar mistakes, as such errors are a sign that the email is not legitimate. Never click on a link provided in a suspicious email, instead always use the known correct website. Also check any URL’s spelling provided in the email. Report any suspicious emails to that company’s security department so they can advise you on how to proceed. If you ever give personal information to a website you suspect is illegitimate, contact your financial institution immediately.