Security Center

Security Tips

How to protect yourself from identity theft

  • Never click on a link from an unknown person.
  • Don't reply to a possible phishing email.
  • Shop with merchants you know and trust.
  • Check account statements promptly and report suspicious transactions.
  • Shred receipts containing credit card information before discarding them.
  • Report lost or stolen cards immediately.
  • Be aware of your surroundings when entering your PIN.
  • Sign the back of your bank and credit cards.
  • Don't leave receipts at the ATM, on shop counters or at the gas pump.

Keep your password and PIN safe

Do not share your GVB Online Banking password or ATM/Debit Card Secret Code (PIN) with anyone. Giving your password or PIN to another person or company places your finances and privacy at risk.

Change your password regularly and use a different password than you use for other websites. Make it difficult for others to guess your password by using a combination of letters and numbers in your password. If you think someone knows your password, change it right away.

Your security answers for GVB Online Banking should be unique - do not use security answers that you have used previously on other websites.

Check your statements

It is important to check your statements regularly; a quick check will help identify any erroneous or criminal transactions that might have been performed on your account without your knowledge. 

 Report Fraud.

Direct Deposit and Online Banking

Arrange with your employer to have your salary deposited directly into your GVB account so you can prevent lost or stolen checks. With GVB Online Banking, you can also set up recurring transfers and payments from your GVB account so that your obligations are met automatically.

Look for the lock icon

Before entering personal information on a website, look for the "lock" icon in your browser. A closed lock or padlock indicates that the website you are on is secure. You can also confirm a website is secure by looking for "https" in the website address.

Clear your browser's cache

If you use a public or shared computer with GVB Online Banking, it is vital that you log out when you are finished. Once you have logged out, you should delete the browser's cache. The cache maintains a copy of web pages that have been viewed recently.

Protect your computer from viruses

Protect your computer by ensuring you have an anti-virus program installed and that you update it regularly. Most anti-virus programs offer automatic updates to help ensure you are always up to date. Viruses can damage your computer, lead to the loss of your files, and some can capture information from your computer and send it across the Internet to another computer.

Do not open e-mail attachments unless you trust the person or company that sent you the e-mail. Ensure your anti-virus program automatically scans your e-mail attachments for viruses.

Use a firewall

When your computer is connected to the Internet, it is vulnerable to "attack" through the Internet connection. Although this is a problem for all types of Internet connections, DSL and cable modem connections are more vulnerable because they offer an "always on" capability. You can help protect your computer from attack by using a personal firewall. Personal firewalls can be software, hardware, or both, and create a barrier to attacks.

Microsoft Windows XP and Apple MacOS X both include basic personal firewalls, but you must activate them to be effective.

Install security updates

Most personal computers use the Microsoft Windows and Apple MacOS operating systems. The makers of these systems regularly issue security updates to protect against new and emerging threats. You should download and install security updates regularly or configure your operating system to automatically check for new updates. It is important to use up-to-date anti-virus software and a personal firewall. Ensure you also regularly patch Java and Adobe products. These items are frequently updated because of vulnerabilities and hacker use of those vulnerabilities to install malware on your computer.

Consider using a single computer for your online banking and restrict other users on it.

Beware of e-mail fraud

Be wary of e-mails that ask for personal information and never provide your personal passwords, personal information numbers or login information for GVB Online Banking.

Beware of identity fraud

Take steps to protect yourself against identity fraud, including protecting your personal information, memorizing your passwords and reporting thefts and losses immediately.

Look for privacy policies on other websites

GVB websites provide links to other websites that are not operated by GVB or governed by GVB's privacy policy or security standards. If you visit one of these websites, you should read their unique privacy and security policies before entering data on those sites.

Additional Resources

United States Computer Emergency Readiness Team

Consumer Protection Resource Center

Visit Our Education Center

Report Fraud

Report Online Fraud: What You Can Do

If you think you have been a victim of fraud (e-mail fraud, identity theft, phishing, etc.), please contact us immediately via phone (530)894-1000 or email.

If you believe someone has obtained your card number and password (PIN), please call us immediately at (530)894-1000 to report the incident and help prevent fraudulent transactions.

We may ask you for the following information so we can investigate:

  • Description of the fraudulent incident.
  • Any fraudulent e-mails you received or anti-virus/anti-spyware scan logs.

Anytime you are a victim of fraud or identity theft, it is important to review and monitor your credit report. You can request a copy of your credit report at www.annualcreditreport.com. You may call 877-322-8228 or write to Annual Credit Report Service, P.O. Box 105283, Atlanta, GA 30348-5283. (If electing to request it by mail, the Federal Trade Commission (FTC) has a form available. Each credit reporting agency allows for a credit report once per year, obtain 1 report from one agency, and every 4 months obtain another report from another agency. This allows you to view your credit report every 4 months, rather than just once time a year.

FAQs

Email Security and Phishing Scams

How does phishing work?

Phishing e-mails are often sent out as spam to numerous recipients and appear to come from legitimate businesses, sometimes even duplicating legitimate logos and text. Within the message, you may be requested to click on a link that takes you to a fraudulent site or pop up window where you are asked to submit personal and financial information. Messages may imply a sense of urgency or immediate risk to bank accounts or credit cards if you fail to answer, increasing the chances of a response. Special offers and prizes may also be promoted as incentives.

What phishers do with your personal information?

Phishers can access your accounts using your passwords and other information to withdraw money or make purchases. Personal information can also be used by phishers to open new bank or credit card accounts in your name.

The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of a fraudulent e-mail that has the appearance of being sent from the FDIC. Learn more about email scams.

What should I look for in a valid message from GVB?

A valid GVB message:

  • Personalized Name
  • We will never ask for your account number, usernames, or passwords
  • You will never be asked to fill out a form with your Bank information
  • If you are asked to call a phone number, check the phone number with directory information (411) before dialing the number you were given, or check our website.
  • Emails will not convey a sense of urgency, we will call you for any account issues

Signs that your message may be a phishing e-mail:

The message below illustrates some of the e-mail components that are not acceptable in a GVB e-mail. In this example, phishers used a valid e-mail name "GVB Contact," but the actual e-mail address itself did not belong to GVB.

  • Email address in the "From" field does not contain a valid email address from goldenvalleybank.com
  • GVB would never ask for you to reactivate your account through an email
  • Misspellings
  • Branding is poor
  • Poor use of grammar
  • Wrong URL:
  • Even though it looks like the URL ("link") displays http://www.goldenvalley.bank, if you right click on the link with your mouse and choose "Properties," it will show you the true link
    • Some scam artists will integrate the brand name into a URL such as http://goldenvalleybank.bankingsecurelinks.org - this makes it look like it is from GVB but is actually going to www.bankingsecurelinks.org which could be a scam site.

If it sounds too good to be true...
It probably is. Don't be conned by convincing emails offering you the chance to make some easy money. As with most things, if it looks too good to be true, it probably is. Be cautious of unsolicited emails from overseas - it is much harder to prove the legitimacy of the organizations behind the emails.

How Golden Valley Bank Protects You

Golden Valley Bank is continuously working to ensure your online security against phishing schemes.

Since 2003, phishing attacks have greatly increased. One industry group, the Anti-Phishing Working Group, claims that the financial services are the most common targets of phishing.

If you receive an unsolicited e-mail that appears to be from Golden Valley Bank or any business with which you do business and the e-mail requests that you click a link and re-enter your personal information or password, you should contact the company directly. Type www.goldenvalleybank.com or the business' website address directly instead of clicking the link in the e-mail. If you are unsure of the authenticity of an e-mail, delete it.

At Golden Valley Bank we go to great lengths to protect your personal information and ensure GVB Online Banking is secure. If you ever doubt the legitimacy of any e-mail claiming to originate from Golden Valley Bank, please call us (530)894-1000.

Golden Valley Bank E-mail Best Practices

Golden Valley Bank sends:

  • solicited e-mails that respond to customer requests
  • welcome e-mails
  • e-mails that contain information about Bank or Community events, nothing relating to account access or account troubles

Golden Valley Bank does not send e-mails:

  • asking the customer to provide, confirm or update personal records
  • from a third party address or link to a third party site
  • containing no information about why a customer is receiving e-mail
  • requiring an urgent response

What You Can Do 

  1. Report your abuse.
  2. Golden Valley Bank wants to help you stay informed. By knowing how to protect yourself, you can avoid becoming a victim of online scams.
  3. The United States Department of Justice recommend these three steps to defend against phishing schemes: Recognize it, Report it and Stop it.

 

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