Protect Yourself Online

Jersey State Bank's Commitment to Your Security: Your safety and security is very important to us.

All about Phishing and Spoofing


Fake emails (phishing) will often...

  • Ask for personal information. They claim that your information has been compromised and ask you to confirm the authenticity of your transactions.
  • Appear to be from a legitimate source. While some emails are easy to identity as fraudulent, others may appear to be from a legitimate address and trusted source. The name or address in the "From" field, can easily be altered.
  • Contain fraudulent job offer, such as work-at-home positions.
  • Contain prizes or gift certificate offers. In exchange for completing a survey or answering questions, some fake emails promise a prize or gift certificate. They require you to give personal information in order to obtain the prize.
  • Links to counterfeit websites. Fake emails may direct you to counterfeit websites that closely resemble a legitimate site while they collect personal information for illegal use.
  • Links to real websites. Some fake emails link to legitimate websites. This is done in an attempt to make a fake email appear real.
  • Contain fraudulent phone numbers. Never call a number featured on an email you suspect is fraudulent; it can be tied to the fraudsters.
  • Contain real phone numbers. Similar to linking to real websites, real phone numbers may be featured in a fake email in an effort to make the email appear legitimate.

What you need to do if you receive a phishing email.

If you receive an e-mail that looks like it is from Jersey State Bank or another well-known company requesting financial information or any other personal or sensitive data, please take the following actions:

  • Treat the e-mail with suspicion.
  • Do not reply to the e-mail or respond by clicking on a link within the e-mail message.
  • Do not download anything or open attachments.
  • Report the suspicious e-mail to the FTC and forward the e-mail to

If you have already provided personal financial information via e-mail and feel your Jersey State Bank accounts are in jeopardy, contact our bank as soon as possible to report the suspicious activity. You can reach an Customer Service Representative by calling 618-498-6466 or via email:

Counterfeit websites (spoofing)

Online thieves often direct you to fraudulent websites via email and pop-up windows in an attempt to collect your personal information. In many cases there is no easy way to determine that you are on a phony website because the URL will contain the name of the institution-this is spoofing. If you type or copy/paste the URL into a new browser window and it does not take you to a legitimate website, or you get an error message, it was probably just a cover for the fake site.

What to do...

When logging into your account, look closely at your browser. The address in the location bar should start with "https". You should also see a lock icon on your browser. If you double-click the icon, it should display security information about the website certificate.

Protect Yourself Online

Be proactive when it comes to Online Security!

As your financial institution, we work hard to protect you from fraud. But you and your computer are the front line of defense. In just a few simple steps, you can help keep your computer and your finances safe.

1. Secure your passwords

A good password should:

  • Not be based on personal information that can be easily guessed (your pet's name, birth date, etc.)
  • Not be a word that can be found in any dictionary of any language.
  • Contain 8 characters, at least 1 number, at least 1 uppercase letter, at least 1 lowercase letter, and password cannot contain leading or trailing blanks.
  • Not be the same as any password you use for anything else.
  • Always memorize your password and do not write it down. Jersey State Bank will prompt changing your passwords every 90 days.

Jersey State Bank will not ask for your password by telephone OR by email!

2. Secure your computer

There are certain precautions you should take to keep your computer safe from viruses and hackers.

  • Keep your operating system and browser up to date.
  • Use up-to-date anti-virus and anti-spyware software --- and set them to update automatically.
  • Use a personal firewall.
  • Activate a pop-up blocker.

Keep in mind:

Security software that comes pre-installed on your computer typically works for just a few months unless you pay to extend its usage. Avoid buying software in response to unexpected pop-up messages or ads that claim to have scanned your computer and detected malware. That's a scare tactic scammers use to spread malware.

3. Be wary of spyware and malware

About spyware.

Spyware is software loaded on your computer without your knowledge. It collects personal information about you and your Internet browsing habits in order to launch pop-up ads or change the configuration of your computer. It can also access your usernames and passwords, slow down the functions of your computer and send information from your computer to a third party without your knowledge or permission.

Generally, spyware is downloaded to your computer from websites you visit, or comes along unannounced when you download a new program or feature. In some cases, the spyware is mentioned in the fine print of a user agreement you're asked to accept for downloading a program.

Clues that you may have spyware on your computer:

  • You experience a number of pop-up ads when browsing the Internet
  • Your Internet browser takes you to sites you're not attempting to visit
  • You experience a sudden and/or repeated change to your Internet homepage
  • New toolbars or icons appear
  • You experience error messages that seem random, and/or your computer's performance drastically slows down

Check your system regularly for spyware. Several third party vendors provide anti-spyware applications you can download, some free of charge.

About malware.

Malware is malicious, unwanted software or code that generally is transmitted online. It is often used to enter a computer system without conforming to standard authentication procedures.

Common forms of malware include:

  • Adware - software that displays ads in an unexpected and often unwanted fashion
  • Backdoor - software that is often installed through a vulnerability in the operating system or through an existing piece of malware
  • Bot - A software application that performs automated, unwanted tasks online
  • Computer worm - a program that self-replicates and spreads by exploiting vulnerabilities and bugs in operating systems and old applications
  • Rootkit - One or more programs designed to hide the presence of other malware from users and anti-virus programs
  • Trojan horse - A form of malware that seems to provide a positive function but actually gives criminals access to your computer
  • Virus - A program that self-replicates without the user's knowledge or permission.

Clues that you may have malware on your computer:

  • Advertising pop ups begin to appear every few seconds
  • Extra toolbars appear in your browser and can't be removed
  • Your Internet browser takes you to sites you're not attempting to visit
  • Unexplained system slow down and/or sudden system crashes

Check your system regularly for malware. Several third party vendors provide anti-malware applications you can download, some free of charge.

4. Be smart online

Aside from securing you passwords and computer, the most important thing you can do is simply be careful - and use common sense - online.

Here are some good general rules to follow:

  • Maintain current software and take advantage of updates
  • Never share passwords or passphrases
  • Do not click unknown links
  • Beware of unknown email and attachments - if you don't know what it is or who it's from, don't open it
  • Don't download unknown software off of the Internet
  • Don't play along with hoaxes or chain mail
  • Log out/lock your computer when you're not using it
  • Remove unnecessary programs
  • Restrict remote access to your system
  • Frequently back up important files
  • Treat sensitive data carefully
  • Remove data securely
  • Use encryption whenever possible

Security tips for Online and Mobile Banking

1st- Computer, Laptop, Phone and other Mobile Devices need protection

  • Use an anti-virus and anti-spyware software, update frequently.
  • Update your computer's operating system when available.
  • Use the most recent version of your web browser software.
  • Use caution when installing applications/programs.
  • Contact the bank 618-498-6466 and/or cell phone provider immediately if you use your laptop, phone or other mobile devices to conduct mobile banking, and your device for banking.
  • Do not leave your laptop, phone or other mobile devices logged on and/or unattended when in public.
  • When not in use, passwords protects and/or locks your laptop, phone or other mobile devices when not in use.
  • Do not save financial or personal information on your laptop, phone, or mobile device.

2nd-Secure Personal Information

  • Be cautious when giving personal information. Check a website's privacy policy before you give them your email address.
  • When creating passwords, they should contain upper and lower case letters and numbers.
  • Never share your passwords.
  • Delete an email immediately if you do not know the sender.
  • Do not open email or click on links or attachments, especially those where the file ends in ".exe".
  • Do not include personal or sensitive data in, or in response to, an email.
  • Watch the activity on your account for any unusual activity. Jersey State Bank’s Online Banking is a way to monitor account balances, 24/7.
  • Always log out of your online and/or mobile banking sessions when you are finished.
  • Do not store financial or personal information on your laptop, phone, or mobile device.

3rd- Be Cautious when Browsing the Web

  • Allow pop-ups from sites that you authorize.
  • Do not give out personal information to blogs, forums and other social networking sites.
  • Only make online purchases using secure sites that encrypt your information. To determine if a site encrypts your information look for the locked padlock icon in the browser and "https:" in the address line.
  • Never access a website from a link in a suspicious email.
  • Access online banking sites by typing the address directly into the browser's address bar.