A Layered Approach to Online Security

Use of pre-authorized electronic transactions has become an increasingly common and convenient way to make payments and settle other financial obligations. As Automated Clearing House (ACH) or Electronic Fund Transfer (EFT) grows in popularity there has also been a rise in related fraudulent activity.

Our Gateway product is supported by a multi-factor authentication architecture that ensures secure system access and transaction delivery. Gateway incorporates extensive processing controls and fault tolerant operations, enabling First Bank to meet the most stringent business audit control requirements.

Unfortunately, no single security measure is likely to be effective in preventing or mitigating all fraud risks. A layered approach to online banking security is the best way to protect our clients from cyber criminals seeking to steal confidential information. An important component of layered security is the use of Dual Control.

Gateway Dual Control

Dual Control requires two different people to complete the ACH origination process.  The first person initiates the transaction(s) and a second person, the approver, confirms the validity of all transactions before the information is sent to First Bank for processing.  Dual Control ensures that errors or irregularities in ACH transactions are detected on a timely basis during the normal course of business. 

Additional Security Measures

  • Reconcile all banking transactions on a daily basis
  • Report any discrepancies or suspicious transactions immediately
  • Initiate wire transfer payments under Dual Control where one individual initiates the entry and a second individual approves the entry
  • Use a dedicated PC, one not used for any other online activity, for accessing online banking accounts.  
  • Be aware of changes to the look of the Gateway login screens. If the screens are unfamiliar to you or if you are prompted multiple times for a security code, contact us immediately at Treasury Management Client Support at 1-866-326-7113.

Although implementing best practice measures are an effective tool against online fraud, this doesn’t guarantee your business accounts are secure. It’s best to discuss a strategy for your specific needs with a knowledgeable information technology professional. 

Contact Us / Questions?

To learn more about our we can protect your business contact the First Bank Treasury Management Officer in your area.   

Your security is important to us.  When communicating via email, please do not include any personal, business or confidential account information.  Thank you! 

Missouri/Illinois
Tony DeVasto
314-854-5480
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Southern California
Jan Palmquist
949-951-7689
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Northern California
Tania Garcia 
925-287-2344
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Other States
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Existing Account Support
866-326-7113
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