Staying Safe Online

The news often reports about hackers, viruses, spammers and spyware. But unless your computer has been targeted by one, you may not know how they could affect you. A hacker is a person who uses the Internet to access computers without permission.

One reason a hacker might want to access your computer is to steal the personal information stored on it. A hacker could use that information to commit identity theft. Hackers who discover your credit card numbers, Social Security number or bank account numbers may use the information to run up charges in your name. Or they may sell the information to other thieves.

A virus is software that is planted in your computer to damage files and disrupt your system. Viruses cause millions of dollars in damages every year.

Unsolicited e-mails — called spam — are often used to con unsuspecting victims out of their money. Many states have laws against sending these e-mails. However, spammers are often difficult to catch because they cover their tracks.

Spyware is software that self-installs on your computer and then collects personal information about you. Spyware can be a legitimate marketing tactic or act as a virus that takes over your computer.

If your computer is attacked by a hacker, spyware or virus, you could lose important personal information or software. In addition, your identity could be stolen. This can cause you to lose valuable time while you try to repair the damage to your computer and get your identity and credit repaired.

The best protection is viligance, awareness and your personal commitment to online safety. It's important to take the precautions listed below to help you protect the information on your computer.

1. Use anti-virus software.
Installing and using software that regularly scans your computer and your incoming e-mail for viruses, and then deletes them.

You can download anti-virus software from the Web sites of software companies or buy it in retail stores. Look for anti-virus software that recognizes current viruses, as well as older ones; that can effectively reverse the damage; and that updates automatically.

2. Regularly update anti-virus software.
Anti-virus software must be updated regularly to get the most recent fixes for the latest viruses on the Internet.

3. Install a firewall.
A firewall is software or hardware designed to block hackers from accessing your computer. A firewall can help make it more difficult for hackers to locate your computer. Firewalls are designed to prevent hackers from getting into your programs and files.

Some recently-released operating system software and some hardware devices come with a built-in firewall. It may be shipped in the "off" mode. Make sure you turn it on and set it up properly. If your operating system doesn't include a firewall, buy a separate software firewall that runs in the background while you work, or install a hardware firewall. A firewall needs to be updated regularly to be effective.

Some firewalls block outgoing information as well as incoming files to prevent spyware from installing itself on your computer.

4. Be careful with e-mail.
Most viruses won't damage your computer unless you open the e-mail attachment that includes the virus. To circumvent this, hackers often make the e-mail appear as if it was sent from a known source. It could look like a link to a Web site or promise to clean a virus off your computer if you open it. Don't open an e-mail attachment unless you are expecting it.

In addition, don't forward any e-mail warning about a new virus. It may be a hoax and could be used to spread a virus. If you receive a chain letter or virus alert, let the sender know so they can stop spreading the virus.

5. If your computer is infected, take action immediately.
If your computer has been hacked or infected by a virus, immediately unplug the phone or cable line from your machine. Then scan your entire computer with fully updated anti-virus software and update your firewall.

6. Use strong passwords.
Hackers may try to steal your passwords to gain access to your computer. To make it more difficult, use passwords that have at least eight characters and include numerals or symbols. Avoid common words: some hackers use programs that can try every word in the dictionary. Don't use your personal information, your login name or other easy to guess passwords. Never share your passwords online or over the phone.

7. Take advantage of your software's security features.
Most Web browsers and operating systems give you some options for increasing your online security. Check the "Tools" or "Options" menus for built-in security features.

8. Turn off software features that you don't use.
You may want to turn "off" some software features such as instant messaging, printer-sharing or file-sharing.

Another software feature that could expose your computer to a virus is the e-mail preview pane. It permits you view attachments without opening them. This might allow a virus to be launched even if you don't open the attachment.

9. Back up important files.
No system is completely secure. If you have important files stored on your computer, copy them onto a removable disc, and store them in a safe place.

10. Report serious incidents.
If you think you've been hacked or infected by a virus, e-mail a report of the incident to your Internet provider.

Contact a Johnson Bank representative for more information.
How We Protect You
Security Glossary

Member FDIC