Valley First

Internet Security

Valley First takes the security and privacy of our members seriously. A balanced approach of technology, policies, and well-informed members and staff form the foundation of secure online banking environment.



How We're Protecting You

One of our more important objectives is ensuring that your online and mobile banking experience is as safe and secure as possible. To provide secure online and mobile banking, Valley First implements the following measures:

  • Automatic session timeouts—To prevent certain forms of session hijackings, online and mobile banking sessions automatically end if inactive for 15 minutes.

  • Temporarily disabling online account —To prevent against brute force password guessing attempts, online accounts are temporarily disabled if too many failed attempts to login are recorded.

  • Data encryption—Our online and mobile banking service ensures that any information in transit between your PC or mobile device and our banking environment cannot be read or altered.

  • Communication standards—We will never ask you to provide your passwords in email or any other communication method.

Risk in Saving Your Login Information

Although we have taken every precaution to protect your online banking session with us, certain Internet browsers will provide you with the option to save your login credentials for convenient future access. Indeed this may be convenient, however, we would highly recommend that you avoid using this browser saving feature to ensure your login credentials remain fully protected. If prompted, choose "Not [Never] for this site". This is particularly important if you are using a shared or public computer to access online banking.

Here's what you can do to protect yourself

The "InPrivate Browsing" setting allows you to choose whether you are promoted to save a password. Ensure that this feature is turned "on".


The "Delete Browsing History" option allows you to remove all passwords should you accidentally agree to save a password.

Protection Tips

How You Can Protect Yourself

Security is a team effort and you play a leading role in the ongoing fight against fraudsters. If your personal information is compromised by criminals, you might receive letters seeking repayment of debts you haven't incurred or find unexplained withdrawals in your bank account. It can take a lot of time and effort to resolve such issues and your credit rating may be affected as a result. By following some simple steps, you can safeguard your money and your identity.

  • Receive free mobile/email alerts on your account activity—Stay on top of your account activity with free mobile/email alerts. Currently, there are two alerts available that can help guard you against potential fraud on your account

    1. Personal Access Code (PAC) changed
      If your PAC (online banking password) is changed, you’ll get an alert. If the PAC change wasn't authorized by you, you'll be able to report it to us immediately.
    2. New bill payee added
      We’ll alert you if a new bill payee has been added to your account options in online banking. Unauthorized new bill payees are often indicators of fraudulent activity commonly involving the transfer of funds out of an account to a phony vendor.
  • Protect your computer/mobile devices—Refer to our security resources section for links to tips and information on keeping your computer and mobile devices protected, as well as a wealth of information to keep yourself and your family safe online

  • Beware of email scams—Be wary of any email from someone you don't know. Even emails from people you do know, that appear to be out of character, should be treated with caution. If an offer looks too good to be true, it probably is. Be especially wary of emails asking you to follow a link to enter your personal information (such as online banking credentials). Attackers send out legitimate-looking emails in order to steal personal information. Valley First will never ask you to email personal details, account information or passwords/PINs.

  • Apply latest updates—Installing the latest operating system and application patches greatly reduces the likelihood of being compromised by malicious software and viruses.

  • Use up-to-date anti-virus software—Anti-virus software is designed to stop viruses, trojans and other harmful code from infecting your computer. However, it is only effective if it is always on and always kept up-to-date.

  • Make backups—Make regular backups of the critical data on your computer. You can save it onto a CD, DVD, external hard drive, online service or an encrypted memory stick. Keeping backups of your most critical data allows for faster recovery in the event that your computer becomes inoperable.


Small business security resources

Do you think your business is too small for hackers and cyber criminals to worry about? Think again. Size is irrelevant when it comes to online crime and fraud. Smaller businesses are easier targets because of limited IT resources, so it is important that your business takes some precautions to ensure a basic level of security.

One of the most effective methods for protecting your online banking business account is to use a dedicated computer for conducting financial transactions. No web-surfing, checking email, or playing games on this computer as these activities increase the risk of being compromised. With low computer prices this is a cost-effective solution for reducing the risk that cyber criminals pose to your online banking accounts.

Refer to the “how you can protect yourself” and “security resources” sections for additional security tips and information.



Security Resources

There are numerous websites with useful security information and tips. Whether you are looking for general security advice or free security tools (antivirus, firewall, malware removal, browser security, encryption, vulnerability scanner, just to name a few) these listed sites are great security resources:

Free Security Software/Tools

Security Tips

Security Information