Digital Banking Security for Businesses

Online and mobile capabilities have created countless new opportunities for businesses. And at NBT Bank, we're committed to helping you safely take advantage of those opportunities. You can start with a few tips and strategies on how to protect your business online and mobile devices. Click the headings below for more.

Be wary of anyone asking for your login IDs and passwords. If you give out your NBT Digital Banking login ID and/or password, you could be putting your NBT Bank accounts at risk.

Always be careful when choosing a password for online or mobile banking practices. You should avoid using the same password for multiple accounts. Never use easily guessable passwords that can be found through open source or social networking sites (such as your pet's name or your child's name). The most secure passwords include a combination of letters, numbers and special characters. You should change your passwords on a regular basis.

Be sure to keep your anti-virus and firewall software up to date on your computer. Make sure that you are cautious of offers for "free" anti-virus software. Always choose your software from a reputable company that will update regularly.

Be sure to initiate online transactions via dual control. Payroll ACH or wire transactions can be set up to require a user level and supervisory level authority. This will help provide additional online security controls. Please see our Cybersecurity Best Practices for more tips.

Smart phones add a lot of convenience to everyday life, but they can also add an additional level of risk to businesses and individuals when they are not used securely. Fraudsters are increasing their capacity to steal sensitive information from smart phones and use it for malicious purposes.

While you may be in the know on the latest apps and technology trends, are you staying up to speed on how to protect your smart phone and private information from falling into the wrong hands?

Tips to Help You and Your Business Stay Protected:

  1. Use the passcode lock on your smart phone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
  2. Never let someone you don't know use your mobile device.
  3. Log out completely when you finish a mobile banking session.
  4. Take advantage of all mobile banking alerts to monitor account activity while on the go.
  5. Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing security software.
  6. Use caution when downloading apps. Apps can contain malicious software, worms and viruses. Beware of apps that ask for unnecessary "permissions."
  7. Download updates for your phone and mobile apps so you have the most up to date security features.
  8. Avoid storing sensitive information like passwords or a Social Security number on your mobile device.
  9. Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer's recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
  10. Beware of mobile phishing. Any ads, not from your security provider, claiming that your device is infected are likely a phishing attempt.
  11. Watch out for public Wi-Fi. Public connections aren't very secure, so don't perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
  12. Report any suspected fraud to [email protected]
  13. Stay up to date on the latest fraud alerts by visiting the NBT Bank Fraud Information Center.

A Red Flag is anything that might seem unusual or make you feel uncomfortable about an email.

  • Emails from someone you don't know
  • Links to unsecure websites
  • Emails received outside of normal business hours
  • Unexpected attachments

View a PDF document of Common Social Engineering Red Flags.

Cyber Security Best Practices.

Nine Points of Protection

Learn More

Latest Cyber Threats.

Latest Cyber Threats

Learn More

Business Fraud Resources.

Business Fraud Awareness, Prevention and Reporting Resources

Find out about resources available for businesses to prevent fraud, cybercrime and report incidents

Learn More