Two-Factor Authentication

Two-Factor Authentication (2FA) is an online security feature that is a standard part of your JBT Digital Banking sign-in experience. As part of our ongoing commitment to help protect you against identify theft and fraud, 2FA helps prevent unauthorized access to your accounts. 2FA requires two separate distinct forms of identification in order to access the system whether you're signing into Digital Banking from your mobile device, computer, or from somewhere else (such as work or a public library). The first factor is a password and the second an authentication code.


Fraud Prevention Begins with You!

You can lose money if you fail to properly protect your accounts!

The best line of defense against fraud begins with you. The following list of valuable tips is presented to help you protect yourself. Working together, we'll ensure you enjoy a safe relationship with JBT and help you avoid falling victim to account fraud or identity theft.

Don’t Be a Victim

  • Avoid visiting "un-trusted" sites. Your computer or mobile device could be infected with malware by the site.
  • Question suspicious emails, text messages or phone inquiries. JBT will NOT request your personal information (account number, Social Security number, or mother’s maiden name) through email, text, U.S. mail, or by phone. JBT will NEVER send you an email or text request to update your account information or otherwise confirm this information. We already have it. JBT will NEVER ask you for a text authentication code. Please notify us immediately if you receive questionable calls, emails or text messages claiming to come from JBT. Be especially wary of anyone requesting account information to "award a prize", "verify a statement", "change a password", or "protect your account".
  • Never give out personal information by phone or over the Internet unless you initiate the conversation. If you are providing sensitive information over the Internet, check the beginning of the web address in your browser’s address bar. If it does not begin with "https://" the site is "un-secure" and so is your exchange of information.


Don't Be Fooled

Unfortunately, it is too easy for tech-savvy individuals to create a message or a whole website that appears official. These criminals are trying to get access to your money. You must be vigilant.

  • Don't be fooled into believing the person represents JBT.
  • Don't be fooled that the phone call, email, or text message telling you that your money, your account access or even your family are in jeopardy if you fail to respond are legitimate.
  • Don't be fooled into thinking the activity is legal if you are offered money for your assistance in transferring money on someone else's behalf.

Remember JBT will NEVER contact you by telephone, mail, email or text to obtain personal or financial information or ask you for your text authenticaion code to access the system.


Protect Your Accounts

  • Never loan your credit, debit, or ATM card to or share your passwords with anyone who is not authorized on your account.
  • Do not share your account numbers with anyone unless you initiated the contact. Report lost or stolen checks or credit, debit, or ATM cards immediately.
  • Review new checks to make sure none were stolen in transit.
  • Be aware of the expiration date on your credit, debit, or ATM card; if you do not receive a reissued card before the expiration date, notify customer service.
  • Store new and canceled checks securely and always use tamper-resistant checks.
  • Don't share your passwords or PIN with anyone or write them down. Guard your ATM or debit card and online banking information. Avoid using obvious or easily obtainable information as your password or PIN.
  • Do not use links provided in any email. Always log onto JBT's website "" by typing in the Web address yourself.
  • Curtail the use of paper documents. Your JBT Client Service Specialist can discuss the many electronic payment options available, such as Bill Pay and free online account access with or JBT 24-hour access line.


Protect Your Computer and Mobile Device

  • Change your computer account and mobile device passwords on a frequent basis.
  • Keep your machine and mobile device patched with the latest software updates.
  • Install a firewall device or software to block outside access to unnecessary ports and services on your machine and mobile device. Install anti-virus scan and anti-spyware software to detect and remove malicious code that could be used to monitor your browsing habits and/or gather information about you or your bank accounts. Be sure to keep the software current with the latest signature and scan engine updates.
  • Avoid using public WiFi networks.


Prevent Identity Theft

  • Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers.
  • Promptly retrieve incoming mail, and don't put outgoing mail in your residential mailbox. If regular bills or statements stop reaching you, take action. Call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.
  • Don't ignore suspicious charges. If doubtful or unauthorized charges appear on your bills or statements, call immediately to resolve the discrepancy.
  • Reconcile your account statements monthly or view your transactions online. Report any unauthorized or suspicious transactions immediately to your credit card company, your bank, and the police as soon as you detect them.
  • Keep personal identification numbers off your checks. Never preprint your driver's license or Social Security number on your checks.


Check Your Credit Report
As part of your ongoing vigilance against identity theft, JBT recommends that you periodically check your credit report. You can obtain a free copy of your credit report from


Additional Information
For additional information about account fraud and identity theft, you can refer to: — the U.S. government's central website for information about identity theft..

For additional information about cyber fraud and e-scams, you can refer to: — the FBI link for posting new e-scams and warnings.

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