WRITING CHECKS.  Write your checks in ink and fill in all lines carefully and completely. Do not leave room on the numeral line to insert a number between the dollar sign and the first Arabic numeral or on any written line to insert a word. Use a check protector to imprint the amount of your check if you have one.  Sign your checks clearly. Illegible signatures are more easily forged.  Do not give anyone a blank check that you have signed.  Do not preprint your driver's license number or Social Security or taxpayer identification number on your checks.  Use tamper-resistant check stock.  Do not allow anyone to sign your name on your checks.  Keep your mobile devices with you or lock them away when they're not needed. Password-protect them to protect against unauthorized use. When it comes to apps, be careful before you click. Only download from legitimate online stores.  If your computer is set up to "auto-load" removable media (e.g., USB drives, SD cards), disable this feature and instead scan these items before you open them.  Passwords should be complex and frequently changed. Do not share passwords. Password-protect your router and other wireless connections.  Never open email attachments or click on links from unknown or suspicious sources, including social media sites.  Disregard in-person, phone, text message, email or web requests that ask you to share your personal or account information unless you are sure the request and requestor are legitimate.  Be careful on social media. Avoid posting too much personal information. Utilize privacy controls to limit who can see what.  ACH transaction and wire transfer security is especially critical - Use security tokens only when releasing an ACH or wire transaction, never at login. CNB will never initiate a communication to request entry of security tokens. If you enter a token to complete a transaction and you get an error message, you are logged off the system or you do not get a confirmation contact us IMMEDIATELY. There is increased likelihood your computer has been hacked.  Keep your card in a safe place. If your card is lost or stolen, contact us at once.  Remember your personal identification number ("PIN"). Do not write it on your card, keep it in your wallet or share it with anyone.  Do not provide your card information or your PIN to anyone over the telephone, email, Internet or otherwise, unless you are positive you know the person and you want the person to be able to conduct transactions on your account. We or any agent of ours will never request you to divulge your PIN in an oral or written manner.  Plan ahead to minimize your time at an ATM. Prepare as much of your transaction in advance as you can at your home or office by filling out your deposit slip and endorsing the checks "for deposit only" to your account.  Be aware of people and your surroundings at an ATM before, during and after you use an ATM. If you observe any suspicious person or unusual activity near the location at any time, do not use it and go somewhere else. At night, if the ATM location is not well lighted, do not use it and go somewhere else.  Prevent others from seeing you enter your PIN when using an ATM by shielding the keypad with your hand or body.  If you notice anything suspicious or any other problem arises after you begin your transaction, cancel the transaction, recover the card you are using from the ATM and leave.  When your transaction is complete, recover your card, your receipt and any cash you have requested from the ATM and promptly leave the area. Do not display money taken from the ATM. Put the money away and wait until you are in a safe place to verify it. Do not leave your receipt at the ATM location.  When using any drive-up ATM facility, lock your car doors and roll up all the windows except the window you are using.  In the event of an emergency, contact your local police or 911.  Please report any complaint you may have concerning the safety or security of any of our ATMs or any emergency to our ATM security division at (000) 000-0000 or (000) 000-0000. In New York, complaints about the security of our ATMs may also be reported to the New York Department of Financial Services at (000) 000-0000.  Separate bank account responsibilities. Do not allow the same person who reconciles your bank statement to also issue checks on your account.  Watch for out-of-sequence checks and checks made payable to cash or to a bank. Watch for checks not used to pay your debts such as a check payable to a credit card company or utility. These are some classic red flags for embezzlement.  Conduct a regular review of your transaction activity for unexpected fluctuations.  Consider maintaining separate accounts and segregating employees for accounts payable and accounts receivable.  Notify the Bank immediately when an employee who was authorized to transact business with the Bank leaves your employ.  Conduct thorough background checks on employees who have financial responsibilities or access to financial documents.  Provide cyber-security training and share fraud protection and other important information with all company users.  Monitor security threats and periodically assess network and security risks. Develop a cyber-incident response plan and test it regularly.  Maintain "cyber insurance" appropriate to your financial risks.  Take full advantage of bank-related security products and alerts (e.g., Positive Pay and ACH blocks and filters).  Encrypt sensitive data, whether transmitting or simply storing it. GLOSSARY OF TERMS AND ACRONYMS FDIC – Federal Deposit Insurance Corporation FinCEN – Financial Crimes Enforcement Network IRA – Individual Retirement Account City National Bank is a subsidiary of Royal Bank of Canada. City National Bank Member FDIC. Member Federal Reserve System

Appears in 3 contracts

Samples: Deposit Account Disclosures, Deposit Account Agreement, Deposit Account Disclosures

Appears in 1 contract

Samples: Deposit Account Agreement

Common use of WRITING CHECKS Clause in Contracts