When you bank online with Prospera, you're protected by our global security network and by advanced security technology.Take a look at our security videos
We take many precautions to protect the online banking environment and your information is safe. Prospera.ca offers you reasonable security so that your personal and financial information is protected while in transit between your computer and our server. This is done through the use of industry standard security techniques such as encryption. Encryption increases the chances that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula.
Your accounts can only be accessed by providing the correct debit card number and password. To help you protect your information, your online banking session will end automatically if there has been no activity for 20 minutes.
Access to our databases is strictly managed and systems are in place to increase the chances that security is not breached, including the physical security of our computer hardware and communications.
In the event that you leave your computer without logging out, the online banking feature of this site has been designed to end your session automatically if our system detects that you haven’t provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your password again.
Find out more about how you can protect yourself online.
A reCAPTCHA system is designed to establish that a computer user is human and not a robot. You may be presented with a series of pictures that you will need to identify to gain access to your online banking account.
We turn it on during times where there is the potential for increased cyber fraud for our members as it provides a deeper layer of protection against Brute Force attacks. Brute Force attacks are when cybercriminals use automated tools to attempt a range of passwords and user names to gain unauthorized access.
2-Step Verification adds an extra layer of security to protect you and your account in case your password were ever stolen. In addition to entering your password, a one-time use verification code will sent by SMS text message or email to the registered mobile phone number or email address associated with your online banking account.
The code must be entered and submitted for confirmation to access your account online. This new feature will replace the security questions you have been accustomed to answering and will not be required at every log-in.
Our members have a part to play to protect their privacy and information when they use Online Banking.
Together your account number and your Personal Access Code (PAC) are the "keys" that unlock your information in Online Banking.
Use the tools provided by Prospera to prevent your information from being compromised:
Always follow the best practices of personal computing to prevent your information from being compromised:
Keep your eyes open for potential scams related to the Coronavirus pandemic during these times.
Below are some examples of the types of things that someone could receive and should be cautious of:
Remain cautious, and always remember the following to protect yourself from scams like this:
As a reminder, we advise all of our members to be alert of suspicious activity online. Please always remember to use safe internet and email practices. Your security remains our top priority during these times and we encourage all members to review our simple fraud precautions to ensure you stay protected.
Online credentials can be numerous as they are needed for email accounts, social networking sites, online newspapers and shopping websites. That’s a lot of usernames and passwords – and it can be tempting to use the same combination for everything. But this makes it far too easy for hackers because once they have one password, they can access all your sites. Login credentials are the keys to your accounts so don’t leave those keys around for anyone to find. For online banking, the key is your password. We recommend you:
Frequently reviewing your paper and/or electronic account statements and/or registering for our transaction alert system ensures that you spot any incorrect or fraudulent transactions as soon as they occur. If your card has been skimmed (when the card’s magnetic stripe and PIN are fraudulently copied by embedded devices at ATMs or point-of-sale devices) or unauthorized transactions have been made, you will want to catch this as soon as possible. Every time you receive an account statement, verify you made all the transactions or let us notify you whenever there has been movement in your accounts (with the transaction alert system).
When you move, it is important to notify us of your change of address. If your mailing information isn’t up-to-date, statements or letters that contain personal information will continue to be sent to your former address.
When you are finished with your banking session, always log out by clicking the “Log Out” button, as opposed to simply closing the browser window. To help protect your information, your online banking session will end automatically if there has been no activity for 20 minutes or if your visit lasts longer than 60 minutes. If your session has timed out, no further transactions can be made until you log in again. This time-out feature helps protect your accounts from unauthorized access if your PC is left unattended or if you have forgotten to log out.
Direct Banking Alerts notify you via text message and/or email regarding specific activities related to your account. These alerts are an effective way to monitor accounts for unauthorized activities, allowing you to notify us should you feel your account has been compromised.
When you spend time on the Internet, your browser stores information, such as the websites you visit, the images and files you view, and your personal information, including passwords and login details. This data is held on your computer’s hard drive and is known as ‘cache.’ Even though you may have logged out and closed your browser, this information may remain accessible. Cookies may be required to use online banking. You can protect your data by clearing your browsing history regularly. This can be done in a few easy steps:
Some web browsers have a feature that allows you to browse the Internet without the browser storing information, such as the sites you visit, the images you see and videos you watch. This feature is sometimes used by people who share the same computer. Private browsing is a temporary option and must be selected in order for it to be activated. Private browsing, however, does not give you immunity to spyware or make you anonymous. It is still possible for your Internet service provider, employer or the websites you visit to track your online activity. Cookies may be required for online banking.
Install anti-virus software on your computer to protect your information, money and privacy. Such software detects viruses and cleans your computer so that harmful viruses do not spread. Set up your anti-virus to run frequent scans and update the software as soon as it is required. Ensure you have real-time scanning of every email and every file you download.
Your computer’s operating system needs to be up-to-date in order to defend itself from viruses and malicious software (malware). If one part of your operating system develops a virus, it leaves holes in your PC’s security defences and compromises the safety of the information contained in your computer.
Keeping your software up-to-date is one of the most important ways of staying safe online because it is much harder for viruses to infect an updated operating system and software. Hackers are targeting operating systems with new viruses all the time and software companies combat these efforts with security patches. You should consider downloading the latest security patch as soon as it becomes available after obtaining advice from an IT provisional.
Your operating system lets you know when updates are available by notifying you there are new security features to download. You can also upgrade your operating system to the latest version available from the manufacturer; however, you should ensure your computer has sufficient hardware capacity to support an upgrade.
Remember to back up your data. To fully eliminate a virus that has infected your machine, the re-installation of your operating system may be required. Protect yourself against the permanent loss of important data by frequently backing up your files on an external hard drive so you’ll have the data should you ever have a problem with your operating system.
Web browsers are the gateways to the Internet. Similar to having an up-to-date operating system, upgraded browsers provide more features, stability and security. Whether you use Internet Explorer, Firefox, Safari, Chrome or something else, stay safe online by using the latest version available.
The latest versions of web browsers have security features that can identify and block harmful and fake websites and pop-ups, and warn you if a site is flagged as unsafe. Some browsers also have a ‘Private Browsing’ feature, which conceals your browsing history from others.
We suggest you update your browser to the latest version.
A firewall protects your computer and home network from harmful websites and hackers. It sits between your computer and the Internet, scanning information that is being transmitted. It allows for safe browsing, while blocking unauthorized intrusions. Even though you may think you have no information of value on your PC, firewalls also stop your computer from being used by hackers to send malicious software to other computers.
Most computers now come with a firewall as part of the standard operating system. However, you can get the maximum protection for your computer by installing additional firewalls and ensuring they are kept up-to-date.
Browsing the web has never been easier – it’s all at your fingertips. Smartphones let you surf, shop or bank wherever you are. Make sure your information stays secure while you’re on the move by following these smartphone-safe browsing tips:
You can help protect yourself from electronic identity theft by following some simple precautions.