Our security procedures and Code of Ethics ensure utmost confidentiality at all times of the information you entrusted to us.
However, you also play an important role in keeping this information secure. Browse through the tabs below to find what you can do to enjoy banking convenience with absolute peace of mind.
- Contact your bank(s) and credit card issuers immediately to ensure the following are done:
- Access to your accounts can be protected
- Stop payments placed on missing cheques
- Personal Identification Numbers (PINs) and Online Banking Passwords changed
- Be sure to indicate to the bank or issuer all the cards and/or accounts potentially impacted, including your ATM cards and credit cards.
- Review all recent transactions on your accounts linked to those cards. Additionally, ensure that no one has requested an address change, title change, PIN change, or ordered new cards or checks to be sent to another address when appropriate.
- Maintain a written chronology of what happened, what was lost, and the steps you took to report the incident to the various sources. Be sure to record the date, time, contact telephone number, person you talked to, and any relevant report or reference number and instructions.
- Minimise the use of attachments.
- Copy and paste text as often as possible.
- Question unsolicited documents
- Unsolicited bulk mail and commercial email can put you and your organisation at risk. Questioning it means not opening it, not passing it on, and notifying your system administrator immediately.
- Never respond to spam email
- For a spammer, one “hit” among thousands of mailings is enough to justify the practice. Instead, if you want a product that is advertised in a spam email, go to a Web site that also carries the product, inquire there, and tell them you do not approve of spam methods and will not patronize a company that uses spammers.
- Never respond to the spam email’s instructions to reply with the word “remove”
- This is just a trick to get you to react to the email — it alerts the sender that a human is at your address, which greatly increases its value. If you reply, your address is placed on more lists and you receive more spam.
- Never sign up with sites that promise to remove your name from spam lists
- These sites are of two kinds: genuine AND spam address collectors. The first kind is ignored (or exploited) by spammers, and the second is owned by them. In both cases your address is recorded and valued more highly because you have just identified it as read by a human.
- Question executable programs received via email
- This is a common means for passing on viruses. Do not open them, do not pass them on, and notify your system administrator if you receive them.
- Disable macros on your machine
- To do this, you will need to open the application. On Word 2000, select Tools, then select Macros, then select Security, and then checked High: Only signed macros from trusted sources will be allowed to run. Unsigned macros are automatically disabled
- Make sure that file extensions are viewable
- This will alert you to files of the following types: .exe, .vbs, and .shs. To view file extensions in Windows select the Start menu, then select Settings, then select Control Panel, then select Folder Options, then select View, then UNCHECK the command that reads Hide File Extensions for Known file Types.
- Notify the person you received an infected file from
- This helps them correct the problem within their system before passing the virus on to other users.
- Monitor your transactions.
- Review your order confirmations, credit card, and bank statements as soon as you receive them to make sure that you are being charged only for transactions you made. Immediately report any irregularities.
- Don’t reply to any e-mail that requests your personal information.
- Be very suspicious of any business or person who asks for your password, PIN (Personal Identification Number), or other highly sensitive information.
You should always be aware of the security when using an ATM and should always follow these general tips to ensure your personal information is kept safe:
- – Never disclose your Personal Identification Number (PIN) to anyone.
- – Never write your PIN or Password on your ATM card or Credit card. Memorise your PIN or Password.
- – Never use an ATM with a blank screen.
- – Do not force your card into the card slot.
- – Stand close to the ATM and use your body and hand as a shield to make sure nobody sees you keying in your PIN.
- – Keep your hand over the card slot to make sure nobody can swap or take your card.
- – Follow the instructions on the ATM screen carefully.
- – Do not insert your card until asked to do so by the display screen.
- – Only put in your PIN when the ATM tells you to do so.
- Avoid drawing cash late at night or when you are alone.
- – Leave the ATM immediately if you don’t feel safe or you are suspicious of individuals loitering around. Come back later or use another ATM.
- – Never hurry when using an ATM. Make sure you are not distracted, intimidated or rushed into your transaction.
- – Never accept help from strangers when using an ATM. Always be wary of strangers asking for help. While one distracts you the other steals your card and money.
- – Do not count your cash in front of the ATM.
- – Avoid using ATMs in secluded areas after dark.
- – If the ATM retains your card, cancel it immediately.
- – Never allow a bystander to call the toll-free number on your behalf – they could be tricking you into thinking your card has been stopped.
- – Always check that it is your card you get back from the ATM.
- – Be aware of the daily withdrawal limits on each of your cards and decrease them if necessary.
- – When using your cards at ATM’s be alert that there are no additional devices affixed on the card reader slot or keypad, and also ensure that no one can see you punch the PIN number on the ATM keypad.
- – Report lost or stolen cheques, ATM cards, or Credit Cards as soon as you discover they are missing.
You have to protect your information at all times be it over the internet or during your normal banking activities by simply following these tips:
- Protect your Password and Personal Information:
- Do not use passwords that are easy to guess, e.g. your name, your date of birth, your telephone number(s), etc.
- Use a combination of upper and lower case letters as well as numbers.
- Do not use share your password with anyone and do not use the same password for other websites.
- Change your password frequently and never write it down.
- Always log into Internet Banking via our sites at the following addresses: www.pacifictrustcapital.ltd and not through other links.
- Avoid logging into Internet Banking from Internet Cafes, Libraries or public sites.
- Always close the window once you have logged out of your Internet Banking session.
- Important: No one at Pacific Trust Capital will ever ask you for your internet banking password. If someone does ask you for it, they do not represent the Bank and you should not under any circumstance provide this information.
- Protect your Computer and Internet session:
- Never share your computer.
- Use a password on your PC to prevent unauthorised access to your information.
- Be wary of opening email messages from untrustworthy sources, especially if they contain attachments.
- Do not reply to emails that request your personal information. They may appear to come from a trusted friend or business, but they are designed to trick you in disclosing sensitive personal information.
- Use personal firewalls and anti-virus software.
- Avoid downloading software such as screen savers, desktop themes, games, and other executable type programs from websites that are obscure or unidentifiable. These programs may contain Trojan viruses that would enable hackers to monitor or take over your PC.
- Disable all unnecessary services running on your computer.
- Always verify that the site is the genuine Pacific Trust Capital site.
- Do not leave your internet banking session unattended at any time.
- Before you start your internet banking session, ensure that all other internet sessions are closed. If your internet banking session is open we recommend that you do not open other internet browsers at the same time.
This is the time to build bonds that last longer than a lifetime
From cash management and card products to Online Banking and Mobile Banking
An extensive range of lending solutions specific to our clients' needs
change your password often for your security
Avoid using the same password for all your digital accounts
Corporate Social Responsibility
Pacific Trust Capital recognize that we have responsibilities not only towards our customers, employees, and shareholders, but also to the communities in which we serve.
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