Important Information About Your Debit Card

Debit card fraud has increased dramatically in the last few months.  As banks and merchants prepare to switch to the more secure chip on card solutions, fraudsters have stepped up their activity.  To help protect your account and prevent fraud, Phenix-Girard Bank may restrict debit card use by placing a block on certain merchant types, cities, states or countries.

Currently debit card transactions are restricted to PIN based transactions in all areas except for Alabama, Georgia and Florida.

If a signature-based debit card transaction does not go through at a merchant location, try is as a PIN based transaction.

If you are planning a trip outside of the local area, please contact use right away.  If you do not contact us, transactions outside of the area may be denied.

For more information, see our page on debit card security by clicking here.

Security in the Mobile Era

By 2017, the number of smartphone users in the U.S. is expected to surpass 200 million, nearly 65 percent of the population. Negotiating security in the face of an ever-growing implementation of mobile devices presents serious challenges for organizations.  Risks include the growth of Bring Your Own Device (BYOD) (coupled with a lack of security controls for these devices), loss/theft of devices, and the proliferation of mobile malware.



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5 Of the Best Free Antivirus Programs to Keep You and Your Mac Safe

Once upon a time, Apple even used the lack of viruses as a marketing tool to sell more Macs. In a company marketing web page titled, “Why You’ll Love a Mac” (no longer exists) the language was once quite clear, “Apple’s OS X doesn’t get PC viruses.” Somewhere around 2012, that message changed to “It’s built to be safe.”  The update itself happened shortly after nearly 600,000 Macs were infected with a trojan named “Flashback,” and although this wasn’t the first time Macs were targeted, it was certainly the largest. This security breach led Apple, and Mac users, to understand that they were in no means immune to viruses or malware.

While large scale viruses are still a rarity among Mac users, that doesn’t lessen the need for smart antivirus software in order to help you recognize, and react to possible infections. Here are five smart (and free) choices to keep your machine free from viruses and malware.

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Top Free Antivirus Software For PC 2015

These days most of the people spend their time on surfing the web, watching online movies or by getting themselves engaged in social media discussions.

With the increase in use of computers and internet, computer viruses also had grown to a much higher level.Viruses can affect your PC in many ways.It can harm your computer’s software (Both OS and Applications Softwares) or steal banking passwords (Backdoor Trojan).

For a list of the top free PC antivirus packages, click here

How to protect kids from cyberbullying, viruses


Norman Rozenberg/June 26, 2014 at 3:43:48 PM EDT

It's important for parents to talk to their kids about Internet safety. Credit: David Sacks

2013 study
Some whiz kids who are below age 2 are able to fully navigate touch-screen devices at surprisingly advanced levels. The use of these devices is even higher among preteens and teens, with one Pew study finding that 95 percent of American teenagers have access to the Web.

While the Internet is a great place for children to learn and socialize, it can also put them at risk for cyberbullying, scams and viruses. 

As children end the school year and have more time to use their laptops, tablets and smartphones, parents should refresh their knowledge of how to keep their kids safe on the Internet.

Educating kids about cyberbullying 
Cyberbullying can negatively affect children, and educators and parents don’t have the time or resources to monitor every single Facebook message, disappearing Snapchat photo or anonymous comment that kids send and receive.   

More than half of adolescents have experienced cyberbullying, and about the same percentage have engaged in it, according to i-Safe, a nonprofit Internet safety organization. 

The i-Safe study also found that one in three young people have received threats online, while more than half of them reportedly do not tell their parents. The first step to addressing this issue is educating parents and children.

Games can effectively teach children about Internet safety. The Federal Bureau of Investigation  created educational games for children from third to eighth grade. Teachers who assign them can monitor their students’ progress online. The games can involve activities such as adventures on desert islands and volcanoes.

A similar website has been developed for young women. Cyberbully411 offers several resources that teach young females how to recognize cyberbullying. The website also features tips for parents on how they can discuss Internet safety with their kids. 

There’s an antivirus app for that
Internet user information can be tracked, cataloged, analyzed and sold legally, or in some cases, illegally. Without realizing the consequences, children might provide their personal information to websites and assume their details are safe.

Children can also fall prey to viruses and Trojan Horses. Infected computers disseminate thousands of spam emails that can be downloaded inadvertently. Addressing these threats, Internet providers are offering sophisticated firewall settings. Many technology companies include antivirus software in their packages. Teaching children about these threats is necessary to make them less vulnerable when they browse the Internet.

Many platforms such as ContentWatch’s Net Nanny give parents greater control over their kids’ Internet habits and can provide them with piece of mind. Net Nanny lets parents set browser controls, and the company’s software bundle helps families monitor everyone’s devices. Using Net Nanny Social, parents can monitor their kids’ friends, photos and posts on social networks including Facebook, Twitter, Instagram, Pinterest, Tumblr, Google+ and LinkedIn.

Education for both parents and children is key to preventing cyberbullying, viruses and scams as kids’ Internet usage increases