Protecting Your Identity | Online Banking Safety | Security Alerts | Privacy Policy


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  1. Never reveal your password to anyone, or leave your password anywhere that someone else could obtain and use it.
  2. Use a strong password and change your password on a regular basis.  Check the strength of your password here.
  3. Use the 'Exit' button to end each Internet banking session. Do not use the 'Back' button to exit the site.
  4. Change your session timeout in User Options to a time that meets your needs.
  5. Review and balance your account on a regular basis. Internet Banking makes it easy!
  6. If you have security questions or concerns, please call First Capital Bank's Internet Banking Help Line at 804.273.1250


  1. If you detect suspicious activity, immediately cease all online activity and remove any computer systems, which may be compromised, from the network. Disconnect the ethernet cable and/or any other network connections (including wireless connections) to isolate the system from the network and prevent unauthorized access.
  2. Monitor and reconcile accounts on a daily basis. Notify us immediately of any unusual activity.
  3. Update or 'patch' computer software regularly.
  4. Install and automatically update anti-virus and anti-malware software. Allow for automatic updates and scheduled scans.
  5. Install and properly configure a firewall.
  6. Block pop-ups.
  7. Do not use public Internet access points (e.g. Internet cafes, public wi-fi hotspots) to access accounts or personal information. If using these sites, employ a Virtual Private Network (VPN).
  8. Don't respond to, or open attachments, or click on links in unsolicited emails. If a message appears to be from First Capital Bank or another financial institution and requests account information, do not use any of the links provided. Contact us or the other financial institution using information provided upon account opening.
  9. Be wary of pop-up messages claiming your computer is infected and offering software to scan and fix the problem, as it could actually be malicious software that allows a fraudster to remotely access and control your computer.
  10. If you note any of the following changes in performance in your computer, which could be a sign of malware, notify us immediately:
    • Dramatic loss of speed
    • Change in screen appearance
    • Unexpected rebooting
    • Unexpected request for one time password or token during your online session
    • Unusual pop-up message
    • Unexpected toolbars and/or icon
    • Inability to shut down or restart


  1. Conduct Internet/Online Banking from a designated computer, which is not used for other online activity. A workstation used for online banking should not be used for general web browsing, emailing or social networking.
  2. Do not leave computers with administrative or monetary privileges unattended. Logout/turn off and lock computers when not in use.
  3. Restrict Online Banking access to employee/users based on specific job function. Allow employee/users access only to the accounts, which relate to their specific job.
  4. If your business initiates ACH and/or Wire Transfers online, use dual control via two separate computers. Require a second user to approve outgoing transactions. For example: one person authorizes the creation of the payment file and the second person authorizes the release of the file on a different computer system.
  5. If, when logging in to your account, you encounter unusual screens or login process, contact First Capital Bank or other financial institution immediately.
  6. Provide transaction limits for each user.
  7. Set up a separate account for each user.
  8. Set up a second account for the 'Administrator'. This account should be a 'User' account. Administrative functions should be handled under the Admin Account. All other activities of the Administrator should be handled under the Administrator's regular 'User' account.
  9. Train your staff on proper online security.