For Businesses

Read our helpful tips designed for your busy schedule and learn more about fraud prevention products and services.

Employee Access and User Administration Guidelines

  • Create a separate User ID for each individual that needs online access. Limit the “Admin” User ID to a single authorized employee.
  • Delete User IDs as part of the exit procedure when employees leave your company.
  • Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or other viruses.
  • Establish second approval requirements for changes to User Administration.
  • Establish second approval requirements for transactions and separate entry and approval users.
  • Establish transaction dollar limits for each user who initiates and approves online transactions. Establish limits for monetary transactions at multiple levels: per transaction, daily, weekly, or monthly limits.
  • Establish formal security policies and procedures that clearly outline rules governing access to online applications, including remote and wireless connectivity.
  • Educate employees on information and Internet security and usage policies and procedures, including individual responsibilities.
  • Review transaction histories and user activity audit logs regularly for unusual activity.

Tips for Network Security

  • Fully deploy computer firewalls, and have security procedure for firewall management.
  • Use and update anti-virus software regularly.
  • Update operating systems with most recent security patches.
  • Test security systems and processes on a regular basis.

Tips for Wireless Network Management

Wireless networks can provide an unintended open door to your business network. Unless a valid business reason exists for wireless network use, it is recommended that all wireless networks be disabled. If a wireless network is to be used for legitimate business purposes, it is recommended that wireless networks be secured as follows:

  • Change the wireless network hardware (router /access point) administrative password from the factory default to a complex password. Save the password in a secure location, as it will be needed to make future changes to the device.
  • Disable remote administration of the wireless network hardware (router / access point).
  • If possible, disable broadcasting the network SSID.
  • If your device offers WPA encryption, secure your wireless network by enabling WPA encryption of the wireless network. If your device does not support WPA encryption, enable WEP encryption.
  • If only known computers will access the wireless network, consider enabling MAC filtering on the network hardware. Every computer network card is assigned a unique MAC address. MAC filtering will only allow computers with permitted MAC addresses access to the wireless network.

Tips for Physical Security

  • Locate critical networks, servers, workstations and telecommunications equipment in physically secure locations that permit access only to authorized personnel.
  • Provide access to financial and sensitive information (account numbers, Social Security Numbers, checks, customer deposits, etc.) on an as-needed basis.

Fraud Prevention Products

For commercial and business clients, there are additional products available to help you mitigate your risk of fraud. Washington Trust offers the following fraud prevention services:

Positive Pay

Positive Pay is fraud detection for checks. Checks that post to the account are systematically compared to a list of valid outstanding checks. Those that match based on account number, check number, and amount automatically pay, while those that do not are identified as exceptions. You will then have the opportunity to apply pay or return decisions to the exceptions. Exceptions not receiving a decision by the cutoff time are automatically returned.

ACH Positive Pay

ACH Positive Pay is fraud detection for incoming ACH debits (electronic transactions initiated from outside the bank). It is a self-service alternative to ACH Debit Filter that is offered in WTB Online.

Token Security

The virtual token protects your accounts by requiring a higher level of security when you login to WTB Online. The credential provides a dynamic security code that you use in addition to your WTB Online ID and Password when accessing your business accounts.

Alerts

Set up alerts in WTB Online for your accounts. The following types of alerts are available: event, activity/amount, balance, cleared check/item, security and personal. You can also choose how you want to be notified: by email, text, or when you login.

Mobile photo person on phone

WTB Mobile

Suspend your card or report it lost or stolen from within the WTB Mobile app.

More about WTB Mobile

TO BLOCK A DEBIT OR CREDIT CARD AFTER HOURS:

Call Priority Service at 800.788.4578 and follow the prompts to Card Services to block your card.

Mobile photo person on phone

WTB Mobile

Suspend your card or report it lost or stolen from within the WTB Mobile app.

More about WTB Mobile

To Report Fraud

Call Priority Service at 800.788.4578

TO BLOCK A DEBIT OR CREDIT CARD AFTER HOURS:

Call Priority Service at 800.788.4578 and follow the prompts to Card Services to block your card.

Mobile photo person on phone

WTB Mobile

Suspend your card or report it lost or stolen from within the WTB Mobile app.

More about WTB Mobile