Protect Your Personal Information

First Midwest Bank is committed to providing a secure banking experience for our customers at all times. Review these resources to learn how to keep your financial information confidential to reduce your risk of identity theft and fraud.

Identity Protection

While First Midwest Bank has systems and policies in place to protect your financial information from unauthorized access and disclosure, most identity thieves obtain information through other means, including mail theft, telephone solicitations and email scams that ask for personal information.

First Midwest Bank will never email you to ask for sensitive financial or personal information, such as account numbers, passwords and Social Security numbers. Unsolicited emails requesting such information are commonly used in “phishing,” a fraudulent technique used by online impostors to lure you into sharing your financial account credentials and personal information.

While no one can ever be totally safe from identity theft, we want to make you aware of a few simple proactive measures you can take that can help you from becoming a victim of identity theft.

You can minimize your risk of identity theft by observing the following tips, courtesy of the Federal Trade Commission.
  1. Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give your Social Security number only when absolutely necessary, and ask to use other types of identifiers.
  2. Treat your trash and mail carefully. Always shred documents you discard that may contain sensitive financial or personal information, including credit offers you receive in the mail. To opt out of prescreened credit offers, call 1-888-5-OPT-OUT (1-888-567-8688).
  3. Be on guard when using the internet. Beware of “spoof” emails and “phishing.”
  4. Create strong passwords to log in to your financial accounts online. Use at least eight characters, including both uppercase and lowercase letters, one or more numerals, and one or more symbols.
  5. Change your password often. Do not share it with others, and do not record it in an easy-to-find place.
  6. Verify sources before sharing information. Don’t give out personal information on the phone, through the mail or on the internet unless you’ve initiated the contact and are sure you know who you’re dealing with.
  7. Safeguard your purse and wallet. Carry only the personal identification information and the credit and debit cards that you’ll actually need when you go out.
  8. Store your personal information in secure locations.
  9. Review your credit reports at least once a year to check for errors and fraud.
  10. Pay attention to billing cycles. Follow up with creditors if bills do not arrive on time. Promptly and carefully review your account statements such as bank statements, credit card statements, and mobile phone and home telephone bills for unauthorized charges
    or activity.

Visit the FTC’s website to learn more about identity theft and how you can protect yourself.

Worms, viruses and spyware that appear on the internet carry a variety of problems. Some have the capability to install software on your computer to capture internet banking or financial data, with the intent of communicating the data back to the cybercriminal.

A financial institution or a service provider cannot prevent these items from being sent out and infecting people’s computers. What First Midwest can do is ensure that our systems are virus-free, properly patched and that our users are knowledgeable of the risks.

The following tips can help protect your computer and personal information:

  1. Prevent the unauthorized use of your computer by requiring a login password at start-up. To create a strong password, use at least eight characters, and include both uppercase and lowercase letters, one or more numerals, and one or more symbols.
  2. Change your password often. Do not share it with others, and do not record it in an easy-to-find place.
  3. Log off or lock your computer if you must step away from it while working, and log off, lock or shut down at the end of a work session or end of the day.
  4. Do not leave your laptop or notebook computer where it can be easily removed.
  5. Ensure that you have a firewall, system security software, antivirus software and spyware-detection software installed on your computer – and keep it up-to-date.
  6. Only use software from reliable vendors. Shareware, freeware and trial-use programs may install unwanted adware or spyware
    on your computer.
  7. Wi-Fi access should be secured with strong password encryption. Do not use public Wi-Fi to access your financial accounts.

Be wary of emails from senders you don’t know and do not open attachments in an unsolicited email. When in doubt, delete the mail without opening it.

If you receive an email that warns you with little or no notice that your financial account will be shut down unless you confirm your financial or personal information, do not respond to or comply with the request.

Be aware that email “spoofing,” a tactic that forges an email header so that the message appears to come from someone other than the actual source, is an often-used technique of online impostors. To be certain of an email’s authenticity, contact the sender using a telephone number or web address you know to be genuine.

You may also forward suspicious emails to the Federal Trade Commission at spam@uce.gov.

“Phishing” is a fraudulent technique used by online impostors to “fish” for, or lure you into supplying your financial account credentials or personal information.

Be suspicious of unsolicited emails from a “business” that asks for your password, Social Security number or other highly sensitive information. Legitimate businesses do not ask for this type of information over the internet. Contact the business directly to verify
the authenticity of the email. Do not reply to or click on any links or pictures in unsolicited emails, especially those asking for
personal information.

Typically, a phishing scam begins with the delivery of an unsolicited “spoof” email message claiming to be from a bank or online merchant, with a subject line such as “Important Security Issue,” “Account Verification Required” or “Update Account.” The message directs you to a web page and asks you to enter your bank account or credit card account number, account password, Social Security number or other information to verify your identity. However, the web page is not actually associated with the bank or online merchant – it’s on a counterfeit replica site designed to appear legitimate.

Victims of identity theft often don’t learn that their identity has been compromised until after the fact. By that time, substantial damage may have been done and the work necessary to repair the damage done to your financial reputation and credit rating can take years and cost thousands of dollars.

If you suspect that someone has been using your personal information:

  • Notify law enforcement immediately.
  • Call us at (573) 785-8461 to block all lost or stolen cards, checks and account information. If it is after hours or the weekend, please call (855) 961-1602.
  • Contact the fraud departments of the three major credit bureaus. Contact information for the credit reporting agencies is available in the next section.
  • Contact the creditors of any accounts that have been misused or contain inaccurate information.

Per federal law, you are allowed one free credit report every 12 months from each of the nationwide consumer credit reporting companies: Equifax, TransUnion and Experian. You may request this report through the Annual Credit Report website: www.AnnualCreditReport.com
Note: By notifying one agency of fraudulent activity, you will notify all three.

Additional Identity Protection Resources

The Federal Trade Commission website has valuable online privacy and security resources for consumers and businesses on how to deter, detect and defend against identity theft. The website also includes information detailing:

The FDIC website includes steps consumers can take to maintain cybersecurity avoid scams and scammers and protect yourself from fake check scams.

Fraud.org is a project of the National Consumers League, a nonprofit advocacy organization founded in 1899 to promote the interests of consumers. The website includes fraud prevention tips, how to file a complaint and a list of recent scams.

APWG is an international not-for-profit industry association focused on eliminating cybercrime. Visit apwg.org to find consumer advice on how to avoid phishing scams, what to do if you have given out your personal financial information, how to report phishing and also browse the phishing archives.

The Federal Bureau of Investigations website includes a Be Crime Smart section on e-scams, warnings, reporting internet crime, common fraud schemes, and other tips and suggestions.

Online Banking Security

Keeping financial information secure and confidential within First Midwest Online Banking is one of our most important responsibilities. Whenever personal information is requested or displayed on our website we use encryption technology, such as Secure Socket Layer (SSL), to prevent unauthorized access to data. Your online banking experience and the security of your personal and financial information are very important to us, and we are committed to safe and secure online banking and to providing you with peace of mind when you access your account information.

For your convenience, we offer the ability to log in to Online Banking from our home page. While on the home page, you may notice that the web address (URL) begins with the prefix “https” and a padlock symbol appears in your Web browser. These are both indicators that the page is secure.

We use the latest technology to ensure the security and confidentiality of your information. Advancements in security technology occur frequently, and we continually evaluate our security environment to ensure that it provides the highest level of privacy and safety for our customers. The following sections outline the steps we take to keep your information secure.

To further protect you while using Online Banking, a timeout feature is used. This feature will automatically log you out of your Online Banking session after an extended period of inactivity on our site.

First Midwest Online Banking also requires the use of secure browsers to protect you while you access our online financial services. More specifically, the personal and account information that flows back and forth between your computer and First Midwest must be encrypted while in transit; secure browsers are how we achieve this level of protection. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. Likewise, when we send personal or account information to you, this technology encrypts it, which then only you can decrypt.

Authentication ensures that you, the legitimate user, is communicating with us and not a fraudster who does not have authority to access your online accounts.

SSL stands for “Secure Socket Layer.” This technology allows users to establish sessions with secure internet sites, meaning they have minimal risk of external violation. Once inside the Online Banking site, our use of SSL technology keeps you and your account information secure. Only browsers supporting the SSL security protocol with 128-bit encryption can be used to log in to our system.

Encryption turns words and phrases into coded language. All of your online activities during an Online Banking session become a string of unrecognizable numbers before being transmitted over the internet. We employ the strongest forms of cryptography that are commercially available for use online, so your account information will appear as gibberish to everyone but you and First Midwest Bank.

Please call our Customer Service team at (573) 624-3571 or contact your local branch or for more details.

First Midwest Bank strives to provide the most secure Online Banking experience for your business. The bank has implemented several security measures to keep your online banking environment safe and secure.

First Midwest Bank joins the Federal Financial Institutions Examination Council (FFIEC) and other financial regulatory agencies in urging business account holders to conduct an internal assessment of control in their business to ensure the highest level of security for online business transactions.

Protect Your Personal Information

First Midwest Bank is committed to providing a secure banking experience for our customers at all times. Review these resources to learn how to keep your financial information confidential to reduce your risk of identity theft and fraud.

Identity Protection

While First Midwest Bank has systems and policies in place to protect your financial information from unauthorized access and disclosure, most identity thieves obtain information through other means, including mail theft, telephone solicitations and email scams that ask for personal information.

First Midwest Bank will never email you to ask for sensitive financial or personal information, such as account numbers, passwords and Social Security numbers. Unsolicited emails requesting such information are commonly used in “phishing,” a fraudulent technique used by online impostors to lure you into sharing your financial account credentials and personal information.

While no one can ever be totally safe from identity theft, we want to make you aware of a few simple proactive measures you can take that can help you from becoming a victim of identity theft.

You can minimize your risk of identity theft by observing the following tips, courtesy of the Federal Trade Commission.
  1. Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give your Social Security number only when absolutely necessary, and ask to use other types of identifiers.
  2. Treat your trash and mail carefully. Always shred documents you discard that may contain sensitive financial or personal information, including credit offers you receive in the mail. To opt out of prescreened credit offers, call 1-888-5-OPT-OUT (1-888-567-8688).
  3. Be on guard when using the internet. Beware of “spoof” emails and “phishing.”
  4. Create strong passwords to log in to your financial accounts online. Use at least eight characters, including both uppercase and lowercase letters, one or more numerals, and one or more symbols.
  5. Change your password often. Do not share it with others, and do not record it in an easy-to-find place.
  6. Verify sources before sharing information. Don’t give out personal information on the phone, through the mail or on the internet unless you’ve initiated the contact and are sure you know who you’re dealing with.
  7. Safeguard your purse and wallet. Carry only the personal identification information and the credit and debit cards that you’ll actually need when you go out.
  8. Store your personal information in secure locations.
  9. Review your credit reports at least once a year to check for errors and fraud.
  10. Pay attention to billing cycles. Follow up with creditors if bills do not arrive on time. Promptly and carefully review your account statements such as bank statements, credit card statements, and mobile phone and home telephone bills for unauthorized charges
    or activity.

Visit the FTC’s website to learn more about identity theft and how you can protect yourself.

Worms, viruses and spyware that appear on the internet carry a variety of problems. Some have the capability to install software on your computer to capture internet banking or financial data, with the intent of communicating the data back to the cybercriminal.

A financial institution or a service provider cannot prevent these items from being sent out and infecting people’s computers. What First Midwest can do is ensure that our systems are virus-free, properly patched and that our users are knowledgeable of the risks.

The following tips can help protect your computer and personal information:

  1. Prevent the unauthorized use of your computer by requiring a login password at start-up. To create a strong password, use at least eight characters, and include both uppercase and lowercase letters, one or more numerals, and one or more symbols.
  2. Change your password often. Do not share it with others, and do not record it in an easy-to-find place.
  3. Log off or lock your computer if you must step away from it while working, and log off, lock or shut down at the end of a work session or end of the day.
  4. Do not leave your laptop or notebook computer where it can be easily removed.
  5. Ensure that you have a firewall, system security software, antivirus software and spyware-detection software installed on your computer – and keep it up-to-date.
  6. Only use software from reliable vendors. Shareware, freeware and trial-use programs may install unwanted adware or spyware
    on your computer.
  7. Wi-Fi access should be secured with strong password encryption. Do not use public Wi-Fi to access your financial accounts.

Be wary of emails from senders you don’t know and do not open attachments in an unsolicited email. When in doubt, delete the mail without opening it.

If you receive an email that warns you with little or no notice that your financial account will be shut down unless you confirm your financial or personal information, do not respond to or comply with the request.

Be aware that email “spoofing,” a tactic that forges an email header so that the message appears to come from someone other than the actual source, is an often-used technique of online impostors. To be certain of an email’s authenticity, contact the sender using a telephone number or web address you know to be genuine.

You may also forward suspicious emails to the Federal Trade Commission at spam@uce.gov.

“Phishing” is a fraudulent technique used by online impostors to “fish” for, or lure you into supplying your financial account credentials or personal information.

Be suspicious of unsolicited emails from a “business” that asks for your password, Social Security number or other highly sensitive information. Legitimate businesses do not ask for this type of information over the internet. Contact the business directly to verify
the authenticity of the email. Do not reply to or click on any links or pictures in unsolicited emails, especially those asking for
personal information.

Typically, a phishing scam begins with the delivery of an unsolicited “spoof” email message claiming to be from a bank or online merchant, with a subject line such as “Important Security Issue,” “Account Verification Required” or “Update Account.” The message directs you to a web page and asks you to enter your bank account or credit card account number, account password, Social Security number or other information to verify your identity. However, the web page is not actually associated with the bank or online merchant – it’s on a counterfeit replica site designed to appear legitimate.

Victims of identity theft often don’t learn that their identity has been compromised until after the fact. By that time, substantial damage may have been done and the work necessary to repair the damage done to your financial reputation and credit rating can take years and cost thousands of dollars.

If you suspect that someone has been using your personal information:

  • Notify law enforcement immediately.
  • Call us at (573) 785-8461 to block all lost or stolen cards, checks and account information. If it is after hours or the weekend, please call (855) 961-1602.
  • Contact the fraud departments of the three major credit bureaus. Contact information for the credit reporting agencies is available in the next section.
  • Contact the creditors of any accounts that have been misused or contain inaccurate information.

Per federal law, you are allowed one free credit report every 12 months from each of the nationwide consumer credit reporting companies: Equifax, TransUnion and Experian. You may request this report through the Annual Credit Report website: www.AnnualCreditReport.com
Note: By notifying one agency of fraudulent activity, you will notify all three.

Additional Identity Protection Resources

The Federal Trade Commission website has valuable online privacy and security resources for consumers and businesses on how to deter, detect and defend against identity theft. The website also includes information detailing:

The FDIC website includes steps consumers can take to maintain cybersecurity avoid scams and scammers and protect yourself from fake check scams.

Fraud.org is a project of the National Consumers League, a nonprofit advocacy organization founded in 1899 to promote the interests of consumers. The website includes fraud prevention tips, how to file a complaint and a list of recent scams.

APWG is an international not-for-profit industry association focused on eliminating cybercrime. Visit apwg.org to find consumer advice on how to avoid phishing scams, what to do if you have given out your personal financial information, how to report phishing and also browse the phishing archives.

The Federal Bureau of Investigations website includes a Be Crime Smart section on e-scams, warnings, reporting internet crime, common fraud schemes, and other tips and suggestions.

Online Banking Security

Keeping financial information secure and confidential within First Midwest Online Banking is one of our most important responsibilities. Whenever personal information is requested or displayed on our website we use encryption technology, such as Secure Socket Layer (SSL), to prevent unauthorized access to data. Your online banking experience and the security of your personal and financial information are very important to us, and we are committed to safe and secure online banking and to providing you with peace of mind when you access your account information.

For your convenience, we offer the ability to log in to Online Banking from our home page. While on the home page, you may notice that the web address (URL) begins with the prefix “https” and a padlock symbol appears in your Web browser. These are both indicators that the page is secure.

We use the latest technology to ensure the security and confidentiality of your information. Advancements in security technology occur frequently, and we continually evaluate our security environment to ensure that it provides the highest level of privacy and safety for our customers. The following sections outline the steps we take to keep your information secure.

To further protect you while using Online Banking, a timeout feature is used. This feature will automatically log you out of your Online Banking session after an extended period of inactivity on our site.

First Midwest Online Banking also requires the use of secure browsers to protect you while you access our online financial services. More specifically, the personal and account information that flows back and forth between your computer and First Midwest must be encrypted while in transit; secure browsers are how we achieve this level of protection. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. Likewise, when we send personal or account information to you, this technology encrypts it, which then only you can decrypt.

Authentication ensures that you, the legitimate user, is communicating with us and not a fraudster who does not have authority to access your online accounts.

SSL stands for “Secure Socket Layer.” This technology allows users to establish sessions with secure internet sites, meaning they have minimal risk of external violation. Once inside the Online Banking site, our use of SSL technology keeps you and your account information secure. Only browsers supporting the SSL security protocol with 128-bit encryption can be used to log in to our system.

Encryption turns words and phrases into coded language. All of your online activities during an Online Banking session become a string of unrecognizable numbers before being transmitted over the internet. We employ the strongest forms of cryptography that are commercially available for use online, so your account information will appear as gibberish to everyone but you and First Midwest Bank.

Please call our Customer Service team at (573) 785-8461 or contact your local branch or for more details.

First Midwest Bank strives to provide the most secure Online Banking experience for your business. The bank has implemented several security measures to keep your online banking environment safe and secure.

First Midwest Bank joins the Federal Financial Institutions Examination Council (FFIEC) and other financial regulatory agencies in urging business account holders to conduct an internal assessment of control in their business to ensure the highest level of security for online business transactions.

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© 2024 Copyright First Midwest Bank.