Multi-Factor Authentication

Multi-Factor Authentication (MFA) is an online security feature that is a standard part of your JBT Online Banking sign-in experience. As part of our ongoing commitment to help protect you against identify theft and fraud, MFA helps prevent unauthorized access to your accounts while reassuring you that you're at the valid JBT website. MFA consists of three parts: an image, a ‘cookie’, and three challenge questions that are secrets between you and JBT. All three parts help protect you, whether you're signing in to Online Banking from your own computer, or from somewhere else (such as work or a public library).

Please click here to download a PDF that contains answers to many common questions about MFA. (Adobe Reader software is required to view this PDF. If it is not already installed on your computer you can download it at www.adobe.com/products/acrobat/readstep2.html.)

Fraud Prevention Begins with You!

YOU CAN LOSE MONEY IF YOU FAIL TO PROPERLY PROTECT YOUR ACCOUNTS!

The best line of defense against fraud begins with you. The following list of valuable tips is presented to help you protect yourself. Working together, we'll ensure you enjoy a safe relationship with JBT and help you avoid falling victim to account fraud or identity theft.

Don't be a Victim
Question suspicious emails or phone inquiries, especially those with urgent requests for personal or financial information. Unless you initiated the contact, JBT will not request your personal information (account number, Social Security number, or mother's maiden name) through email, U.S. mail, or by phone. JBT will NEVER send you an email requesting you to update your account information or otherwise confirm this information. We already have it! Please notify us immediately if you receive questionable calls or emails claiming to come from JBT. Be especially wary of anyone requesting account information to "award a prize", "verify a statement", "change a password", or "protect your account".

Don't be Fooled
Unfortunately, it is too easy for tech-savvy individuals to create a message or a whole web site that appears official. These criminals are trying to get access to your money. You must be vigilant. Don't be fooled into believing the person represents your bank. Don't be fooled that the phone call or email telling you that your money, your account access or even your family are in jeopardy if you fail to respond are legitimate. Don't be fooled into thinking the activity is legal if you are offered money for your assistance in transferring money on someone else's behalf.

Remember JBT will NEVER contact you by telephone, mail, or email to obtain personal or financial information.

Protect Your Accounts
Never loan your credit, debit, or ATM card to or share your passwords with anyone who is not authorized on your account.

Do not share your account numbers with anyone unless you initiated the contact. Report lost or stolen checks or credit, debit, or ATM cards immediately.

Review new checks to make sure none were stolen in transit.

Be aware of the expiration date on your credit, debit, or ATM card; if you do not receive a reissued card before the expiration date, notify customer service.

Store new and cancelled checks securely and always use tamper-resistant checks.

Don't share your passwords or PIN with anyone or write them down. Guard your ATM or debit card and online banking information. Avoid using obvious or easily obtainable information as your password or PIN.

Do not use links provided in any email. Always log onto JBT's website "bankjbt.com" by typing in the Web address yourself.

Check your PassMark image and image title to confirm you are on the genuine JBT online banking site.

Curtail the use of paper documents. Your JBT Customer Service Specialist can discuss the many electronic payment options available, such as Bill Pay and free online account access with bankjbt.com or JBT 24-hour access line.

Protect Your Computer
Change your computer account passwords on a frequent basis.

Keep your machine patched with the latest software updates.

Install a firewall device or software to block outside access to unnecessary ports and services on your machine. Install anti-virus scan and anti-spyware software to detect and remove malicious code that could be used to monitor your browsing habits and/or gather information about you or your bank accounts. Be sure to keep the software current with the latest signature and scan engine updates.

Prevent Identity Theft
Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers.

Promptly retrieve incoming mail, and don't put outgoing mail in your residential mailbox. If regular bills or statements stop reaching you, take action. Call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.

Don't ignore suspicious charges. If doubtful or unauthorized charges appear on your bills or statements, call immediately to resolve the discrepancy.

Reconcile your account statements monthly or view your transactions online. Report any unauthorized or suspicious transactions immediately to your credit card company, your bank, and the police as soon as you detect them.

Keep personal identification numbers off your checks. Never preprint your driver's license or Social Security number on your checks.

Check Your Credit Report
As part of your ongoing vigilance against identity theft, JBT recommends that you periodically check your credit report. You can obtain a free copy of your credit report from www.annualcreditreport.com.

Additional Information
For additional information about account fraud and identity theft, you can refer to
www.consumer.gov/idtheft — the U.S. government's central Web site for information about identity theft.

For additional information about cyber fraud and e-scams, you can refer to
www.fbi.gov/scams-safety — the FBI link for posting new e-scams and warnings.


 

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