Online Security

Here at Elements, 我们尽我们所能保护您的个人信息，并为您提供可靠的在线体验. 但是，我们希望您采取进一步的预防措施，以确保您的帐户安全. By following our tips, 利记和我们的移动应用程序可以为您的所有银行需求提供安全有效的方法.

General Guidelines

• Make sure your operating system and antivirus software are up-to-date.
• Always use secure wireless (WiFi) networks that require a login ID and password.
• Never leave your computer unattended while using online banking.
• Monitor your recent account history for unauthorized transactions.
• Always log off of online banking when you're finished and close the browser.

Login ID and Password

• Create strong passwords by using a mixture of upper and lowercase letters, numbers, and special characters.
• Do not create passwords containing your initials or birthday.
• Change your passwords periodically.
• Memorize your passwords instead of writing them down.
• 只注册个人设备，避免使用保存登录id和密码的功能.

Fraud Prevention

• Do not open email attachments or click on links from unsolicited sources.
• Avoid giving out personal information on the phone or through email.
• Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers, and expired cards.
• Act quickly. If you suspect your financial information is compromised, call us immediately at 317-276-2105 or toll-free at 800-621-2105.

Online Banking & Mobile App Guide Online Banking Security Preferences Video Library

The Importance of Creating a Strong Online Username

Elements is committed to keeping your financial information safe and secure, therefore, it is recommended that you add complexity to your online banking User ID. Your User ID is the key to your Elements online identity, so it's just as important to create usernames that are as strong as a password. 为了确保您遵循良好的安全实践，请花点时间查看下面的提示.

Tips on Creating a Strong Username

• Use uppercase and lowercase letters, numerals, 特殊字符在不明显的安排-最终他们不应该是复杂的, but also should not be a simple name, phone number, account number or social security number 
• 创建一个你容易记住，但别人很难猜到的用户名
• 个人在线账户使用不同的用户名，使得黑客更难获取信息
• Never use a Social Security Number as a username. Social Security Numbers may be hard to guess and easy to remember, 但它们可能会给恶意黑客提供一段梦寐以求的个人信息
• 永远不要向他人透露您的用户名，也不要将您的用户名存储在纸上或未加密的计算机文件中
• Never provide your online banking User ID if requested through email. Elements will never ask you to supply your personal information.

选择一个安全的密码是保证你的在线帐户安全的关键. If you have a relatively simple password, other individuals may be able to access your account through a series of guesses. In order to prevent this from happening, you should select a password that includes a combination of numbers, letters, and words. 避免使用简单的单词或任何其他人很容易获得的关于你自己的信息, including your name, your spouse's name, your pet's name, birthdays, hobbies, or any part of your User ID or email address.

• Use passwords that are unique for different sites. Hackers who steal passwords will try to use them on other sites.
• A strong password will be at least 10 characters long
• 如果您正在创建密码的站点允许，请在密码中使用空格. Spaces make passwords harder to crack.
• Instead of a password, use a passphrase with a space, and keep it visual. For example, pigs 2 Bark! would be a great passphrase that meets all of those suggestions.

In our fast-paced world, effective communication is a must; that’s why email has become so important. However, 传统的电子邮件可能并不总是发送或接收敏感信息的最安全的方式. 考虑到这一点，元素金融为您提供了几种与我们安全沟通的方式.

Secure Messages within Online Banking

Just log into online banking or your mobile app to send us a secure question or message. An Elements representative will send you a reply within 1 business day.

Send a Secure Email with Zix

You can send Elements a Secure Email with Zix from our Contact Us page. You will need to register with an email address and password. You can then log in to our safe environment to send new messages, and to review and reply to messages you have received from Elements.

A fraudulent (a.k.a. spoofing, imposter, (或网络钓鱼)电子邮件是伪造的，看起来像是来自特定组织的合法电子邮件. Its goal? 通常是诱骗你提供敏感的个人信息，用于身份盗窃.

It's often hard to detect a fraudulent email. 这是因为发件人的电子邮件地址通常看起来是真实的，设计和图形也是如此. But there are signs to be aware of. For example, 欺诈性电子邮件通常试图通过以下两种方式之一获取你的个人信息:

• By luring you into providing personal information on the spot (e.g., by replying to the email).
• By including links to a site that tries to get you to disclose personal data.

If you are ever unsure about an email you have received from Elements, 请不要犹豫，拨打800-621-2105或通过我们的安全方法利记，以验证电子邮件的合法性.

You can tell that you're dealing with Elements because:

• Elements representatives will never send you an email asking for your passwords, credit card numbers, or other sensitive information.
• 如果我们要求您提供信息，我们将始终使用链接将您引导回Elements网站.
• If you use a link in an email you receive from Elements, 你可以通过在浏览器的地址/位置区域比较网站的地址来确定你是在一个元素页面上——它会有元素.org in the address of the site.
• If you are talking to us on the phone, 我们将使用您在设置帐户时提供的安全字验证您的身份.

要判断电子邮件是否真的来自Elements，您需要查看URL将您带到的站点. Here's how to do so with HTML and text-based emails:

• HTML-based email. In HTML emails (with graphics), to view the destination URL, position your cursor over the link or button; the URL should appear in your email program's status bar at the bottom of the window. However, spoof URLs are intentionally long, so only the first part is usually visible in the status bar. It might look genuine, but it's not a guarantee of where you'll end up. 因此，您需要查看整个URL并前往那里以确保它确实是一个Elements站点.
• Text-based emails. 基于文本的电子邮件也往往包含很长的url，你点击它就可以进入一个网站. However, the URL may not represent the true destination.

如何从HTML电子邮件中查看整个URL以确保它是合法站点?
Position your mouse over the link and right click. Select Copy. Paste the URL into Notepad (or any text editor). When you arrive at the site, 双击挂锁图标，确保它是“发给”一个以元素结尾的URL.org.

我如何从基于文本的电子邮件中查看整个URL以确保它是合法网站?
Paste the URL into your browser. When you arrive at the site, 双击挂锁图标，确保它是“发给”一个以元素结尾的URL.org.

Elements takes numerous steps to keep your accounts and personal information secure, but you also play a role in maintaining the security of your banking information. Here's what you can do:

• Change your password regularly — It's important to change your password regularly, 登入利记或手机应用后，你可以点击“设置”，然后点击“登录偏好”，就可以轻松做到这一点.
• Memorize your password — Your online password authenticates you when you begin an online banking session. 你应该记住这个密码，永远不要把它写在任何地方或透露给任何人.
• Remember to log off — You may not always be at your own computer when you bank online. Therefore, it's important to log off when you're finished banking. 如果您忘记这样做，在不活动10分钟后，Elements会自动注销您的登录.
• Use your browser's built-in security features — We recommend that you use the built-in security features that browsers provide. 选择某些安全设置和选项将有助于保护您的帐户和个人信息的隐私.

您通过电子表格在本网站提供的信息是安全的和加密的. In other words, it is scrambled en route and decoded once it reaches Elements. 您可以通过查看浏览器中的绿色条来检查您的网络会话是否安全. 当前版本的主流网络浏览器会显示网页何时通过此符号进行加密传输. 你也可以在你的网页浏览器中寻找你的网址开头的字母“http://”. The "s" means that the web connection is secure.

最好在利记或移动应用程序内发送消息给我们问题和评论. The security on your online banking account is very robust. This would be the best way to send messages that are secure in nature.