Keeping You Safe Online IMPORTANT NOTICE TO CUSTOMERSFCM Bank would like to remind our customers to only use https://fcmbank.com.mt to browse our website or access our Online Banking to avoid the risk of landing on a fraudulent page intended to gain access to your personal information. You should always look for the 'https' prefix at the beginning of the website address and for a padlock that can also provide you with information about the site's security certificate. Please ignore any emails, phone calls or other communications that request you to click on a link or to divulge personal details such as your username and password. At FCM, we have a number of security layers to keep your browsing on our website and Online Banking secure, including two factor authentication via SMS. May we urge you to follow a few hints and tips below to keep yourself safe online? Using the correct URL / website address Always ensure you are browsing a trusted website. Secure websites have a small padlock and a green tab next to the site’s URL address with “FCM Bank Limited [MT]” within it. Clicking on the green tab will also provide you details of the site’s security certificate. You can also look for the “https” prefix next to the web address. The “s” in “https” indicates the website is secure. The secure FCM Bank website address is “fcmbank.com.mt”. Only use this address to access our website as you might risk landing on a fraudulent site intended to gain access to your personal information. Protecting sensitive information Your username and passwords are unique to you. Never share these details with anyone else. Phishing scams are used by criminals to lure victims by email, text and phone, into handing over valuable information claiming they are from FCM Bank. We will never ask for your personal details such as username or password. So please ignore any emails, SMS or phone calls asking you to enter and provide your Online Banking details. Also, avoid passwords that are easy to guess. For example avoid passwords which include your name, surname, birthdate etc. Typical phishing characteristics A typical phishing email will not be personally addressed to you but may begin with ‘Dear valued customer’. A phishing email might ask to “verify your account information”, which attempts to generate an action from you instinctively without thinking. The email may have spelling mistakes and poor grammar. Genuine FCM Emails will always Quote your Online Banking user ID or the last four digits of your account number. If you don’t hold an account with us we will quote your post code. Greet you personally using your title and surname. Use links in our emails that will only ever go to fcmbank.com.mt. We will never link directly through to our Online Banking log on page or ask for your personal details. Tips to avoid phishing attacks Limit the amount of personal information on the internet e.g. Social Networks, as this could be used against you. Treat all emails with caution as email headers and website links may be manipulated to appear professional and legitimate. Don’t click on a link from a suspicious or unexpected email. Sharing of personal information on social media Avoid divulging personal information about yourself and your accounts on social media, such as Facebook, Twitter and LinkedIn. Identity thieves may gather such information to access your accounts. Limit on daily payments We have set a maximum transfer limit of €5,000 per account per day. Together with this, our Online Banking only allows for payments to be transferred into your registered linked bank account. Transfers over €5,000 can be requested via secure Online Banking messaging or in writing. Monitoring of transactions We monitor transactions on a regular basis and if any suspicious activity is detected we will contact you immediately. We also encourage you to check your account regularly for suspicious activity and immediately report any discrepancies to us on 80073737 or +356 21388 388 from outside Malta. Protecting electronic devices Electronic devices such as smartphones and laptops carry a lot of our personal information. It is essential to keep your devices safe and to encrypt them with a strong password. If any of your devices are lost, please make sure to change all your passwords immediately and report it to the relevant authorities. If you have any reason to believe that your account and passwords have been compromised, please contact us and we will guide you on how to change your Online Banking details. Downloading software We will never send you links asking you to download software. Please ignore pop-ups or suspicious messages requesting you to download software. Install an anti-virus and firewall Having a strong and reputable anti-virus software will help you increase the security and safety of your computer or laptop and protect you from harmful Viruses, Trojans and other types of malware, which search for your valuable data. Jargon Buster: Malware is often referred to as Trojans and Viruses, which are hidden in free downloads and attachments. They may steal your passwords and use these credentials to access your accounts.