Mobile Banking Cybersecurity

Training and user tips for cyber-safe mobile banking at home, at work and on the go

4 Mobile Banking Basics

  1. Give your kids a little training in the cybersecurity basics. Talk with them about being safe online, including the risks of sharing personal information with people they don’t know. Schedule periodic security checks to make sure they have the most up-to-date anti-virus software on all their devices.
  2. Small business owners, do some employee cyber training. Consider requiring information beyond a password to gain access to your business network. You may also want to require confirmation calls for certain electronic transfers before PCB Bank authorizes them.
  3. Be discreet when using social networking sites. Hackers comb those sites looking for information like your place of birth, mother’s maiden name or a pet’s name. They often use those details to guess or reset passwords for online accounts.
  4. Keep an eye on mobile devices. Don’t leave mobile devices like smartphones, tablets or laptops unattended. And use a device password or other method to control access in case they’re lost or stolen.

10 Mobile Security Tips

PCB Bank employs the latest technology to ensure the security of your personal and financial data when you use our mobile banking app. For more mobile security tips, visit the FDIC website here.

1. Install mobile banking apps only from reputable sources like the Apple® App Store or Google™ Play or a direct link from our website.

2. Use a strong password. Log out when you're not using mobile banking so no one can access the app if your phone is lost or stolen.

3. Always lock your phone when it's not in use or set it to automatically lock after it’s idle for a few minutes.

4. Reset your phone’s default 4-digit unlock code with a stronger password and consider setting it to erase all data after a number of bad password attempts.

5. Protect all your mobile devices with anti-virus software.

6. Never store passwords or PINs in texts, notes or emails on your mobile devices.

7. Never text account numbers, passwords or other personal information.

8. Beware of mobile phishing. Don’t click links/attachments in emails/texts from senders you don't know.

9. Keep your mobile operating system up to date to ensure maximum security.

10. Never root or jailbreak your mobile device to get around limitations set by your carrier or manufacturer. This will remove all the cybersecurity protections built into the device.

Godfather Malware Tips

What is Godfather malware? In cyber terms, it’s a “banking trojan” that lets threat actors harvest login credentials for mobile banking apps on Android devices. It’s typically distributed through third-party app stores, phishing emails or malicious links with the intent to drain the accounts they access.

How to prevent Godfather malware

  • Download and install software only from official app stores like Google Play or the iOS App Store. Be sure the app you’re downloading is exactly the one you wanted and not an imitator.
  • Use strong passwords and enforce multi-factor authentication (MFA) wherever possible.
  • Be very careful before opening any links delivered via SMS or emails to your phone.
  • Ensure that Google Play Protect is enabled on Android devices.
  • Carefully read what you’re allowing an app to do when you’re enabling permissions.