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Online Security Center

At Washington Trust, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with The Washington Trust Company, and we honor that relationship with great care, beginning with the information you have chosen to share with us. We take your security and privacy seriously and take extra steps to ensure that your information is protected.

While we work toward protecting the confidentiality of your information, customers need to take appropriate precautions to protect their information as well. Here are some ways to protect your information while using Online Banking, Mobile Banking and the Internet:
 

  • NEVER reveal your username or password to anyone. They are designed to protect the privacy of your banking information.
  • Periodically change your password. This will help ensure the safety of your information.
  • Don’t leave your PC unattended during an online banking session.
  • Review your account statements regularly and report any unauthorized activity as soon as possible.

Here are some helpful links with more information on how to protect your information and the steps you should take if you think you have become the victim of identity theft or fraud.

10 Tips for Shopping Safely Online

Whether you’re shopping the holiday sales, or just looking to avoid the mall, shopping safely online can be a challenge, especially if you are trying to get a better deal from a lesser known site. Here are 10 tips to help you gain some peace of mind while shopping online.

 

  1. Check the seller’s customer satisfaction ratings. Other people’s experiences with the merchant that you are considering are often an excellent gauge of what to expect when you order. Review other user’s comments and check out the seller’s rating. Low “star” ratings may provide a red flag that cautions you to find a more reputable seller.
  2. Check the Better Business Bureau site to see if there are a large number of complaints about the seller. The Better Business Bureaus of the United States and Canada are excellent resources to find out specific information about merchants, including whether or not they have any complaints against them related to delivery, product issues, or refund or exchange problems. You can also obtain their business addresses and corporate contact information.
  3. Never enter your credit card or debit card information on a page that is not encrypted. When using the online checkout process of a seller, always make sure that the web address has “https” instead of “http”. Https ensures that you are using an encrypted communications path to transmit your credit card information to the seller. This helps to ensure your information is securely protected.
  4. Go directly to the seller’s site rather than clicking a “coupon” link that was sent to you by an unknown source. Scammers can often use a tactic called cross-site scripting to craft a hyperlink that appears to be the actual merchant site but actually relays your credit card information to the scammer when you put your payment information into the payment web form. Unless you can verify that a coupon came from the actual vendor’s site to which you have already subscribed, it’s best to avoid random coupons with unknown origins.
  5. If you are ordering from a shared computer (i.e., the library, computer lab, or a work PC), log out of the shopping site and clear the browser history, cookies, and page cache. If you’re using a shared machine, always log out of the store website and clear your browser’s page cache, cookies, and history when you are finished ordering. The next person who sits down at the PC you were using might be able to access your information.
  6. Never give your social security number or birthday to any online retailer. Vendors should never ask you for your social security number unless you are applying for in-store financing or something to that effect. If they require you to enter a social security number just to order a product, then they are most likely scammers. While your birthday may seem like an innocent piece of data to give out, it’s just one more of the three to four data elements needed by a scammer to steal your identity.
  7. Find out the seller’s physical address. P.O. boxes are a red flag. If your seller is in a foreign country, returns and exchanges may be difficult or impossible. If the merchant only has a P.O. box listed, or if the address doesn’t seem right, you may consider shopping elsewhere.
  8. Check out the seller’s return, refund, exchange, and shipping policies. Read the fine print and watch out for hidden restocking fees, high shipping charges, and other added fees. Beware of “coupon clubs” that the seller might try to get you to sign up for during your purchase. These clubs may save you a few dollars, but often they involve monthly billing for the privilege of joining.
  9. Check the seller’s privacy policy. While we might not think about it, some sellers resell our personal information, buying preferences, and other data to market research companies, telemarketers, and spammers. Read carefully and always make sure that you are opting-out and not opting-in when asked whether you want to have your information shared with “3rd parties” (unless you like a lot of spam in your e-mail). You may also want to obtain a separate e-mail account to use while shopping online to avoid clogging up your personal e-mail box with sale ads and other junk mail.
  10. Check the site’s contact information. If no phone number is listed, that’s a red flag. If you doubt the business’s legitimacy, try to contact someone at the company through e-mail before buying anything and wait until you get a response before completing the purchase.

Check back next month for more ways to protect your privacy.

 

 

 

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Maintenance

System Maintenance

December 21, 2014
10:00 PM - 11:00 PM

Due to system maintenance, Online Banking and Mobile Banking will be unavailable on Sunday December 21, 2014 between the hours of 10:00 PM and 11:00 PM