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Customer Awareness

The security of your financial information is one of SunMark Bank's most important responsibilities. We maintain our Online Banking platform using stringent information security guidelines and use many lines of defense to protect your account information. We are honored that you are trusting us with your money. There are many things that you can do to help prevent hacks and identity theft as well. Check out what we’ve put together for you…

  • Computer Security

    Best practices for computer security 

    This page details how you can begin to secure your computer, accounts, and the data stored on them. Please note that even the best safeguard methods will not always allow for 100 percent security, but it is strongly recommended that the following procedures be implemented as best practices. 

    Top three things you can do to protect your computer 

    Use security software 

    The most important thing you can do to keep your computer safe is to install and maintain security software, which protects your computer from viruses and spyware. Such security programs perform two general functions: scanning for and removing viruses and spyware in files on disks, and monitoring the operation of your computer for virus-like activity (either known actions of specific viruses or general suspicious activity). Most security software can perform both of these tasks. 

    • Install an antivirus application, and keep your virus pattern files up to date. Program such as AVG, Avast, and Norton can be downloaded for free from many websites. Please note, antivirus software is only effective if updated properly. Routinely run the updater to check for the latest database to scan your computer against.  

    In general, it's not a good idea to have more than one antivirus program installed on your computer. Each program may interpret the actions of the other as viral, therefore giving you false warnings about virus-related activities. 

    • For antispyware for Windows computers, Windows Defender or Spybot Search and Destroy are free programs used in finding and removing Spyware on your machine.   
    • Install and run Identity Finder, a tool to help you search for, protect, and dispose of personal information stored on your computer, file shares, or external media.  
    • Install a Malware detection and removal program such as MalwareBytes. You can download these free from many reputable sources. Similarly to antivirus software, you will need to regularly update the database before scanning to produce the best results. 

    Maintain current software and updates 

    Use a secure, supported operating system (Microsoft Windows 7 or higher, Mac OS X or higher). Keep your software updated by applying the latest service packs and patches. Refer to your operating system's help for assistance. 

    Avoid threats to your computer 

    • Never share passwords or passphrases: Pick strong passwords and passphrases, and keep them private. Never share your passwords or passphrases, even with friends, family, or computer support personnel.  Consider using a password manager such as Dashline, LastPass, Keeper, 1Password, KeePass, etc.  
    • Do not click random links: Do not click any link that you can't verify. To avoid viruses spread via email or instant messaging (IM), think before you click; if you receive a message out of the blue, with nothing more than a link and/or general text, do not click it.  
    • Beware of email or attachments from unknown people, or with a strange subject line: As a general rule, if you do not know the sender of the email, do not open any attachments that are included in it, or click any links inside of these emails.  
    • Do not download unfamiliar software off the Internet: KaZaA, Bonzi, Gator, HotBar, WhenUSave, CommentCursor, WebHancer, LimeWire, and other Gnutella programs all appear to have useful and legitimate functions. However, most of this software is (or contains) spyware, which will damage your operating system installation, waste resources, generate pop-up ads, and report your personal information back to the company that provides the software. 

    Obtain public domain software from reputable sources, and then check the newly downloaded software thoroughly, using reputable virus detection software. 

  • Identity Theft Protection

    Identity Protection Checklist 

    DETER identity thieves by safeguarding your information. 

    • Shred personal financial documents and paperwork. 
    • Protect your Social Security number. 
    • Don’t give out personal information on the phone, through the mail, or over the internet. 
    • Never click on links sent in unsolicited emails. 
    • Don’t use an obvious password and change your passwords frequently. 
    • Keep your personal information in a secure place. 

    DETECT suspicious activity by monitoring your financial accounts & billing statements. 

    Be alert to signs that require immediate attention: 

    • Bills that do not arrive as expected 
    • Unexpected credit cards or account statements 
    • Denials of credit for no apparent reason 
    • Calls or letters about purchases you did not make 
    • Charges on your financial statements that you don’t recognize 


    Report Identity Theft or Fraud 

    If you think you've become a victim of identity theft or identity fraud, immediately contact us.  

    We are available to help you: 

    • Close your accounts and open new ones 
    • Replace your SMCB debit cards 
    • Address your concerns is a great resource for get started and learn more about recovery steps.

     Next Steps 

    Once you've contacted us, it's important that you take the following steps, and document whom you contacted (including the date and time and name of person that you talked to at each business): 

    1. Call the major credit bureaus:  
      • Equifax: (800) 525-6285 or visit
      • Experian: (888) 397-3742 or visit
      • TransUnion: (800) 680-7289 or visit
        First, ask that they place a "fraud alert" on your credit file. A fraud alert prevents creditors from changing your accounts - or opening new ones in your name - without proper verification. Then, request a free copy of your credit report. If you see any additional signs of fraud, notify the credit bureau and the creditors whose accounts are affected. After the disputed transactions are resolved, request another copy of your credit report to make sure your file has been updated. 
    2. Call your other creditors - Including your phone and utility companies and let them know that you've been a victim of fraud. Close any accounts that may have been compromised. As a precaution, consider resetting all of your passwords. 
    3. Inform check security companies about the fraud:  
      • Chexsystems (Consumer Assistance) at (800) 428-9628 
      • CheckRite at (800) 466-2748 
      • TeleCheck (About TeleCheck) at (800) 710-9898 
    4. File a police report if you think personal information (driver's license, address, etc.) has been compromised or stolen. Creditors may also want proof of the crime from law enforcement. 
    5. Call the Federal Trade Commission (FTC) identity theft hotline at (877) 438-4338 or file your complaint online at
    6. Be vigilant, patient, and persistent. It can take weeks, sometimes even months to resolve identity theft. Keep a close eye on all your statements, review your credit reports regularly, and immediately report any discrepancies.