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Security & Education

A Bank Customer's Guide to CyberSecurity

The Federal Deposit Insurance Corporation (FDIC) has published a Special Edition of "A Bank Customer's Guide to Cybersecurity" on what banks and regulators are doing to help prevent online fraud and theft including:

  • Safety precautions for Internet banking or shopping
  • How to avoid identity theft online
  • The roles of banks and the government in protecting customers
  • Additional resources from the FDIC that can help you!

Click here for more information!


Stop. Think. Connect.

The National Cyber Security Alliance provides education and information for people to stay safe online!  Visit the STOP.THINK.CONNECT website for tips and resources to help you and your family be more aware as you browse or connect online.

Mobile MouseAs internet usage has continued to increase, so has internet fraud.  Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise customer authentication and gain unauthorized access to customers’ online accounts.

As a result, the need to protect your identity online has become increasingly important. At Kinderhook Bank, the security of customer information is a priority!  We are strongly committed to the safety and confidentiality of your records.  One of the best ways to avoid fraud is to become an educated consumer and we would like to help!

Please take a moment to click on either the Consumer or Business link below for important information on how to keep you safe when conducting your banking online.


In addition to our high security standards offline, we incorporate many security features into Kinderhook Bank Online Banking. Every possible effort is made  to ensure that your account information is protected from unauthorized access. For questions regarding security issues, please call (518)758-7101 and ask for Online Banking Services.



A new website, www.IdentityTheft.govhas been launched by the Federal Trade Commission as a resource for victims to report and recover from identity theft.  There's an interactive checklist to walk you through the recovery process and event provides sample letters, tips and advice!  We've also gathered other information and important links that can help you stay safe online, prevent identity theft, and secure devices that are connected to the internet.


We can all follow a few simple steps to keep our personal information safe online. Here are some tips to practice:


·        Choose strong passwords and change them often. A strong password uses a combination of letters, numbers, and symbols (when allowed) and does not include a person’s name or other commonly known information such as their children or pet’s names.

·        Do not use the same password for multiple accounts.

·        Criminals will often use high profile incidents like data breaches to conduct scams such as fake identity theft services or using personal information to pretend to be a legitimate company. Be aware of possible phishing attempts. If you receive an email prompting you to change your account password claiming to be from your email provider, bank, or another website you frequently make sure the email is legitimate. To be safe, go directly to websites to change your password, and type the link yourself rather than clicking on links embedded in emails.

·        Be on the lookout for other people accessing your personal accounts. Monitor email and social media accounts for suspicious messages or messages appearing from you, but that you did not send. Monitor bank and credit card accounts for unauthorized charges.

·        Request a free credit report to ensure no unauthorized accounts have been opened in your name.


The Stop.Think.Connect.™ Campaign is a national public awareness campaign aimed at increasing the understanding of cyber threats and empowering the American public to be safer and more secure online. For more cyber resources and tips, please visit Use the navigation bar on the left to access more tips, videos, free security check ups and related links.


Mobile Security Tips:

Mobile devices enable Americans to get online wherever they are. It’s important to understand how to protect yourself when connecting on the go!



1.      Fifty-six percent of all people own a smartphone

2.      Eighty percent of time spent on a mobile device is inside apps

3.      Of all emails opened, nearly 30% are opened on a mobile device

4.      In 2011, 31% of mobile users received a text from someone they didn’t know asking them to click on an embedded link

5.      In a study, 59% of respondents saw a jump in malware infections due to unsecure mobile devices


        Restrict access to your wireless network by only allowing authorized users access to your network.

        Change any pre-configured default passwords on your mobile device to ones that would be difficult for an outsider to guess.

        Keep your anti-virus software updated.

        Use caution when downloading or clicking on any unknown links.

        Use your mobile device carefully; emails that can harm your computer can also harm your mobile device.

        Be sure to review and understand the details of an app before installing it and be wary of the information it requests.

        Use the Federal Communications Commission’s mobile phone security checker at

In addition to our high security standards offline, we incorporate many security features into Kinderhook Bank Online Banking. Every possible effort is made to ensure that your account information is protected from unauthorized access. For questions regarding security issues, please call (518)758-7101 and ask for Online Banking Services. The best way to avoid internet fraud and identity theft is to educate and protect yourself.  Below are many resources that can help you to be diligent about protecting your account information and identity from fraudsters:

Here are some additional informative links:
Federal Trade Commission (FTC) Breach Recovery & Prevention Video
Kinderhook Bank Customer Security Message PDF
Kinderhook Bank Consumer Online Account Information PDF
FFIEC Important Facts About Your Account Authentication & Online Banking PDF
Identity Theft - What to know, What to do
What to do if your identity is stolen PDF
Safeguarding Your Child’s Future PDF
Federal Trade Commission's Guide to Assisting Identity Theft Victims - Video
New Design $100 Note Video - October 2013
MoneySmart Tool to Prevent and Identify Elder Financial Exploitation
Chatting With Kids About Being Online
Heads Up-- Stop, Think, Connect!
A Bank Customer's Guide to CyberSecurity PDF

Windows XP End-Of-Support Information for Remote Deposit Capture Customers

After April 8, 2014, Microsoft will no longer offer technical assistance or provide security updates for Windows XP  Because of this change, it is expected that Windows XP computers will be targets for criminals seeking to compromise personal and account information. We recommend that you do not use a Windows XP computer for Online Banking after this date and recommend taking steps on or before April 8, 2014 to upgrade to a newer operating system. In some cases, computers running Windows XP are older and do not have the resources to support Windows 7 or Windows 8, so users should carefully review system requirements prior to installation of an operating system upgrade from Windows XP.

If you are using Windows XP for Online Banking or Remote Deposit Capture, we recommend that you consider making arrangements before April 8 to access these services from a supported system. These include:

  • Windows 8
  • Windows 7
  • Windows Vista

MAC operating systems are not impacted by the retirement of Windows XP/ Go to for Microsoft's Windows XP End of Support Announcement.

Not Sure What Windows Version You Have? If you are not sure what version of Windows you are running, go to




It’s important for businesses to be diligent as well with company and employee records.  Below are many resources for business owners to educate and protect your account and identity.

Federal Trade Commission Identity Theft Resources
Kinderhook Bank Business Customer Security Message  PDF
Kinderhook Bank eCorp Business Online Account Information PDF
FFIEC Risk Assessment & Layered Security for Businesses PDF
Protecting Personal Information – A Guide for Businesses PDF
Deter, Detect, Defend – Avoid ID Theft PDF
What to do if your identity is stolen?  PDF
New Design $100 Note Video - October 2013