Holiday Processing Dates and Cybersecurity Tips
As part of the ACH support given to Business customers, twice a year The First provides information about security, ACH Rule changes, and an update on holiday processing times. We want to remind you that processing time cut-off is at 4:30 p.m. for ACH files and 3:00 p.m. for wire transfers on normal business days. Processing times are automated and cannot be manually altered. Any files submitted after the cut-off will be processed on the next business day.
If you have any questions or problems please contact ACHSupport@fnbhutch.bank or call 620.694.7001.
Processing Dates and Times
Below is the holiday schedule for ACH processing for the rest of this year and all of 2018. ACH files will not be processed on:
Thanksgiving Day, November 23rd
Christmas Day, December 25th
New Year’s Day, January 1st
Martin Luther King Jr. Day, January 15th
Presidents Day, February 19th
Memorial Day, May 28th
Independence Day, July 4th
Labor Day, September 3rd
Columbus Day, October 8th
Veteran’s Day, November 12th
Thanksgiving Day, November 22nd
Christmas Day, December 25th
10 Cybersecurity Tips for Small Businesses
Broadband and information technology are powerful tools for small businesses to reach new markets and increase sales and productivity. However, cybersecurity threats are real and businesses must implement the best tools and tactics to protect themselves, their customers and their data. Visit https://www.fcc.gov/cyberplanner to create a free customized Cybersecurity Planning guide and visit http://www.dhs.gov/stopthinkconnect to download resources on cybersecurity awareness for your business. Here are ten key cybersecurity tips to protect your small business:
1. Train employees in security principles. Establish basic security practices and policies for employees, such as requiring strong passwords and establishing appropriate Internet use guidelines that detail penalties for violating company cybersecurity policies. Establish rules of behavior describing how to handle and protect customer information and other vital data.
2. Protect information. Protect computers and networks from cyber-attacks. Keep clean machines: having the latest security software, web browser and operating system are the best defenses against viruses, malware and other online threats. Set antivirus software to run a scan after each update. Install other key software updates as soon as they are available.
3. Provide firewall security. Provide firewalls for your Internet connection. A firewall is a set of related programs that prevent outsiders from accessing data on a private network. Make sure the operating system’s firewall is enabled or install free firewall software available online. If employees work from home, ensure that their home system(s) are protected by a firewall.
4. Create a mobile device action plan. Mobile devices can create significant security and management challenges, especially if they hold confidential information or can access the corporate network. Require users to password protect their devices, encrypt their data and install security apps to prevent criminals from stealing information while the phone is on public networks. Be sure to set reporting procedures for lost or stolen equipment.
5. Make backup copies. Make backups of important business data and information. Regularly backup the data on all computers. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resource files and accounts receivable/payable files. Backup data automatically if possible, or at least weekly and store the copies either offsite or in the cloud.
6. Control physical access. Control access to your computers and create user accounts for each employee. Prevent access or use of business computers by unauthorized individuals. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. Make sure a separate user account is created for each employee and require strong passwords. Administrative privileges should only be given to trusted IT staff and key personnel.
7. Secure your Wi-Fi networks. If you have a Wi-Fi network for your workplace, make sure it is secure, encrypted and hidden. To hide your Wi-Fi network, set up your wireless access point or router so it does not broadcast the network name, known as the Service Set Identifier (SSID). Password protect access to the router.
8. Employ best practices. Employ best practices on payment cards. Work with financial institutions or processors to ensure the most trusted and validated tools and anti-fraud services are being used. You may also have additional security obligations pursuant to agreements with your financial institution or processor. Isolate payment systems from other less secure programs and don’t use the same computer to process payments and surf the Internet.
9. Limit employee access. Limit employee access to data and information, and limit authority to install software. Do not provide any one employee with access to all data systems. Employees should only be given access to the specific data systems that they need for their jobs, and should not be able to install any software without permission.
10. Passwords and authentication. Require employees to use unique passwords and change passwords every three months. Consider implementing multifactor authentication that requires additional information beyond a password to gain entry. Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account.
Source: Federal Communications Commission