Introducing PassMark

PassMark is a new online security feature that is now a standard part of your JBT Online Banking sign-in experience. As part of our ongoing commitment to help protect you against identify theft and fraud, PassMark helps prevent unauthorized access to your accounts while reassuring you that you're at the valid JBT website. PassMark consists of three parts: an image, an image title, and three challenge questions that are secrets between you and JBT. All three parts help protect you, whether you're signing in to Online Banking from your own computer, or from somewhere else (such as work or a public library).

Please click here to download a PDF that contains answers to many common questions about PassMark. (Adobe Reader software is required to view this PDF. If it is not already installed on your computer you can download it at www.adobe.com/products/acrobat/readstep2.html.)

Fraud Prevention Begins with You!

The best line of defense against fraud begins with you. The following list of valuable tips is presented to help you protect yourself. Working together, we'll ensure you enjoy a safe relationship with JBT and help you avoid falling victim to account fraud or identity theft.

Protect Your Accounts.
Never loan your credit or ATM card or share your passwords with anyone who is not authorized on your account.

Do not share your account numbers with anyone unless you initiated the contact. Report lost or stolen checks or credit cards immediately.

Review new checks to make sure none were stolen in transit.

Be aware of the expiration date on your credit card; if you do not receive a reissued card before the expiration date, notify customer service.

Store new and cancelled checks securely and always use tamper-resistant checks.

Question suspicious emails or phone inquiries. Unless you initiated the contact, JBT will not request your personal information (account number, Social Security number, or mother's maiden name) through email, U.S. mail, or by phone. Please notify us immediately if you receive odd calls or emails claiming to come from JBT. Be especially wary of anyone requesting account information to "award a prize" or "verify a statement."

Guard your ATM and online banking information. Avoid using obvious or easily obtainable information as your password. Don't share your passwords with anyone or write them down.

Curtail the use of paper documents. Your JBT Customer Service Specialist can discuss the many electronic payment options available, such as Bill Pay and free online account access with bankjbt.com or JBT 24-hour access line.

Protect Your Computer
Keep your computer updated with the latest software security updates. Install a firewall device or software to block outside access to unnecessary ports and services on your machine. Install virus scan and anti-spyware software to detect and remove malicious code that could be used to monitor your browsing habits and/or gather information about you or your bank accounts.

Preventing Identity Theft
Don't give out financial information online or on the phone unless you initiated the contact, and know the party you're dealing with.

Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers.

Promptly retrieve incoming mail, and don't put outgoing mail in your residential mailbox. If regular bills or statements stop reaching you, take action. Call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.

Don't ignore suspicious charges. If doubtful or unauthorized charges appear on your bills or statements, call immediately to resolve the discrepancy.

Keep personal numbers off your checks. Never preprint your driver's license or Social Security number on your checks.

Check Your Credit Report
As part of your ongoing vigilance against identity theft, JBT recommends that you periodically check your credit report. You can obtain one free copy of your credit report per year from:

www.annualcreditreport.com

For additional information about account fraud and identity theft, you can refer to
www.consumer.gov/idtheft — the U.S. government's central Web site for information about identity theft.