ABANCA USA
Menu

Security Policy

How We Protect Your Privacy

What you need to know:

  • Our Privacy notices explain how we collect, use and share information. You can manage your marketing preferences and limit the sharing of certain information by updating your individual ABANCA USA privacy choices.
  • Review the Online Privacy and Cookie Notice and the Consumer Privacy Notice provided to you by ABANCA USA if you are a Consumer.

How You Can Help Protect Your Accounts

What you need to know:

  • We’ll never ask you to send us personal information (like your Social Security number or ATM PIN) over text or email. If you do receive a request like this, please forward it to us at abancausa@abanca.com. Our team reviews all submissions; we will only reply to your message if we require additional information.
  • We fully authenticate all of our emails. Make sure the email address we have on file for you is not a forwarded email (for example, you might forward mail from your college.edu address to your gmail.com account).

What you need to do:

  • If you receive an email that appears to be from ABANCA USA and ends up in a junk folder, leave it there.
  • Use a strong, unique password for each of your accounts. Memorize them and use multi-factor authentication, like fingerprint or one-time authorization code, where available.
  • If you’re a victim of fraud, we're here to help. Please contact us as soon as possible.
  • Avoid sending confidential information through unsecured email, fax or texts to reduce the risk of it being improperly accessed.

How You Can Help Protect Your Identity

What you need to know:

  • Identity theft occurs when someone uses your personal information to commit fraudulent acts (like withdrawing money from your account, opening new credit cards or applying for loans or employment).

  • Common signs of identity theft include:

    • Unauthorized withdrawals from your account
    • Bills for unfamiliar debt or failure to receive bills
    • Suspicious charges on your account
    • New accounts or loans you didn’t apply for
    • Being denied credit unexpectedly
    • The IRS notifying you that more than 1 tax return was filed in your name, or that you have income from an employer you don't work for.

What you need to do:

  • Review your statements for unusual transactions or suspicious charges.
  • Be sure to keep your contact information (especially your cell phone number and email address) current.
  • Make the default ID for your internet router unique to you; change the password to make it more difficult for hackers to access your network.

How You Can Help Protect Your Computer

What you need to know:

  • Taking proper precautions helps to make sure your personal and financial information —as well as your identity— remains safe.

What you need to do:

  • Use a strong, unique password for each of your accounts. Memorize them and use multi-factor authentication where available.
  • Only download software or applications from well-known or reputable sources, such as Apple, Google Play or Microsoft. Check the logos, developer names and reviews to spot fake applications. Scammers count on users being too busy to see differences that can make fake software easier to spot.
  • Install any operating system and software updates (sometimes called patches or service packs)
  • Turn off Wi-Fi and Bluetooth services when you're not using them and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like VPN software.
  • Back up your data regularly. If you use online or cloud storage, be sure you understand your provider's privacy and security policies and keep your access codes safe.
  • Use the administrator log in on your home computer only for creating new users and installing software. If you use administrator accounts when browsing the internet, banking or reading email, the risk of malicious code entering your computer without detection is much greater. Create standard user accounts for yourself and everyone in your family to limit your exposure.

How You Can Help Protect Your Smartphone

What you need to know:

  • Our mobile service incorporates the convenience you want with industry-leading safety and security features that help provide peace of mind.

What you need to do:

  • Be sure to keep your contact information (especially your cell number and email address) current
  • Set a security code/PIN or fingerprint sign-in and enable remote wipe and find my phone features to make sure you're covered if your phone is lost.
  • Only download software or applications from well-known or trusted sources–and never click a link from an unknown source or sender.
  • Install system and software updates (sometimes called patches or service packs)
  • Turn off Wi-Fi and Bluetooth services when you’re not using them and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like VPN software.
  • Never root or jailbreak your own mobile device to gain access to unofficial applications. This practice may lead to security vulnerabilities and the inability to apply future software updates from the vendor.

How You Can Identify and Avoid Scams

What you need to know:

  • We work hard to ensure that any ABANCA USA content you’re receiving is really from ABANCA USA.
  • We’ll never ask you to send us personal information such as an account number, card PIN or Social Security or Tax ID over text or email. If you do receive a request like this or any other suspicious phishing email, please forward it to us at abancausa@abanca.com. We will only reply to your message if we require additional information.

  • Scammers use a variety of techniques – here are a few examples.

    • Using compromised business email addresses and impersonating executives, real estate agents, attorneys or others to insist that you redirect planned wire transfers to fraudulent accounts. Learn about business email compromise on the FBI website
    • Sending mailers to older adults that request the payment of a small fee in order to receive a big sweepstakes prize.
    • Posing as government officials, security officers, tax collectors, tech support or even as ABANCA USA. The scammer may say they’re helping you resolve an issue, can assist with a software license renewal or that there’s fraud on your account.

See How to Spot Email Scams

What you need to do:

  • If you receive a suspicious call, text or email from someone claiming to be from ABANCA USA, do not respond, click links or open attachments. If this has happened to you, contact us right away at (305) 929 – 0880.

  • If you’re being asked to send money or provide information as the result of a call, text or email, here are some questions you need to consider:

    • Is the requestor rushing or pressuring you?
    • Is the person asking for money someone you’ve never met?
    • If a business is requesting that you wire money or send funds online, is it to a new account number or different from what was described on initial paperwork?
    • Is the phone number that’s calling you (from, for example, your title company, contractor or attorney) different than usual?
    • Are you being pressured to send money to claim lottery funds or some other form of prize?

    If you can answer yes to any of these, think carefully about the request to send money. It may be a scam.

  • If you believe you may have been the victim of a scam, report your experience to the FTC and/or to the FBI’s Internet Crime Complaint Center. Provide as many specific details as you can and be as descriptive about your experience as possible.

How You Can Help Protect Your Business

What you need to know:

  • There’s a growing type of fraud called business email compromise. Learn about business email compromise on the FBI website
  • Business identity fraud has become surprisingly common because of the easy accessibility of business information, including website data, company name and staff rosters

What you need to do:

  • Minimize the risks by using your work computer for business, checking your domain name regularly and reviewing your business credit report
  • Know your customers’ habits, including their payment amounts, reasons and details. Look out for any significant changes to those habits – they might signal a fraud issue.
  • Ensure all business data is securely and regularly backed up. Test the recovery function of your backup procedures regularly to make sure your data is always retrievable.
  • Develop a plan for cybersecurity and fraud disaster recovery.
  • Engage a trusted advisor to review your security controls and policies on at least an annual basis.