Terms beginning with 'A'
Address
Also referred to as a URL. This is the address of the website or web page on the internet.
Account Holder
A person who maintains an Account with AIB.
Anti Virus Software
Software installed on your PC to detect and remove viruses.
Anti-virus software is only as effective as the latest update from
your supplier. You should ensure that your anti-virus software is
always running and is updated on a regular basis, at least weekly.
Authentication
A process used to verify an individual's identity.
Adware
A software application that can display advertising banners while
the program is running or via some other triggering mechanism. Adware
delivery systems are most often integrated into free applications as a
way for developers to recover costs or generate revenue.
A critical eye has been placed on adware since in many cases, in
addition to downloading ads, they may also upload user information
collected to a third party without explicit permission.
Available Balance
The balance that is available to you to withdraw from your account.
This is displayed on the 'balances' screen on your Online Banking.
Attachment
A piece of information such as a document, presentation or image that can be added to an email and sent over the Internet.
APR
Annual Percentage Rate. The interest rate reflected as a yearly rate, taking into account points and other fees.
ATM
Automatic Teller Machine. More commonly referred to as a Cash Machine or Cash Point.
It allows a bank's customers to make cash withdrawals and check
their account balances at any time without the need for a human teller
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Terms beginning with 'B'
Broadband
An always-on high-speed connection to the internet which is, faster
than a traditional modem and can be used for telephone calls at the
same time as web browsing.
Browser
Software used to locate and display web pages e.g. Microsoft Internet Explorer and Mozilla Firefox.
Bluetooth
It connects mobile phones, computers, and personal digital assistants (PDAs) using a short-range wireless connection.
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Terms beginning with 'C'
Cookies
Cookies are small files stored on a computer's hard disk so that it
can remember something about you at a later time. Cookies are generally
harmless and are used to record a users' preferences when using a
particular site. Most browsers automatically accept cookies.
Code Card
The card issued to customers by FTB for use in conjunction with FTB Phone & Online Banking for authentication purposes.
More information can be found about these code cards in the FAQs section of the online help.
CSA or Customer Service Adviser
Customer Service Adviser. An employee of FTB authorised to provide
assistance to the user in relation to FTB Phone & Online Banking.
Charges and Fees
You can find more about fees and charges on the main web site.
Cache
Your browser uses a cache to store web pages locally on your computer.
This means the next time you want to view these pages, they will be available a lot quicker.
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Terms beginning with 'D'
Demo
We have a demo that highlights the key features of FTB Online Banking which allows you to see how our service works before using it.
You can find our demo at: http://www.firsttrustbank.co.uk/onlinebankingdemo
Download
Downloading is the transmission of a file from one computer to another.
To download a file is to request it from another computer or from a web page on another computer.
Care should be taken when downloading files from internet as these may contain malware.
Denial of service attack
A denial of service (DoS) attack is an incident in which a user or
organization is deprived of the services of a resource they would
normally expect to have.
A denial of service attack can also destroy programming and files in a computer system
Domain Name
A domain name is the unique name of a web site on the internet. Internet users access your website using your domain name.
The domain name that the online help is on is 'firsttrustbank.co.uk'.
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Terms beginning with 'E'
eCommerce
Electronic commerce. This is the buying and selling of goods and services on the internet.
Encryption
Encryption scrambles or codes information to protect it as it is
sent over the internet, stopping unauthorized users from reading the
information.
FTB uses 128-bit SSL Encryption, which is the industry standard.
eStatement
An electronic version of your bank statement(s)
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Terms beginning with 'F'
Firewall
A firewall acts as a barrier between your computer and the internet.
When installed it will help prevent intruders or 'hackers' from gaining fraudulent access to your computer.
Fraudulent Email (Phishing)
A fraudulent email is an email falsely claiming to be from a reputable financial institution or e-commerce site.
These email messages normally urge the recipient to click on a link
to update their personal profile or carry out some transaction.
The links within these emails takes the victim to a fake website
designed to look like the real thing. However, any personal
information, financial information or logon details entered is routed
directly to the scammer.
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Terms beginning with 'G'
There are no terms that start with the letter 'G'
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Terms beginning with 'H'
Hacker
A hacker is a person who breaks into computer systems in order to steal or destroy information.
To protect yourself from hackers you should install a firewall on your PC and keep it up-to-date.
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Terms beginning with 'I'
Identity Theft
Identity theft is when a person or persons steals personal
information such as date of birth, bank details, or driver's licence
numbers to then apply for goods or services posing as you.
ISP
Internet Service Provider. The company that supplies your internet connection.
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Terms beginning with 'J'
There are no terms that start with the letter 'J'
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Terms beginning with 'K'
Keylogger program
A keylogger program is a piece of spyware that can record every key
that you press on your keyboard while you are using your computer.
This information can then be sent to a third party to abuse.
Anti-virus software can help protect your computer from keylogging programs.
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Terms beginning with 'L'
Login
The process of signing on to a given computer system.
Lodgement
Funds added to an account either through Online Banking or by other means.
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Terms beginning with 'M'
MakeITsecure
A government initiative to educate the public about the risks of
using the internet in the areas of online fraud, identity theft and
child safety.
Malware
The word is derived from 'MALicious softWARE'.
It is software designed to destroy, aggravate, wreak havoc, hide
potentially incrimination information, and/or disrupt and damage
computer systems.
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Terms beginning with 'N'
NSC
National Sort Code.
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Terms beginning with 'O'
Open Payment
A payment to a bank account not on your Online Banking profile, held either in FTB or in another Financial Institution.
Operating System
The software platform on which all your computer applications such as Internet Explorer run on.
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Terms beginning with 'P'
Payment Log
A list of all your bill payments, mobile phone top ups etc that you
have made using the FTB Phone & Online Banking service, including
a record of forward bill payments that have not yet been processed.
Phishing
The name given to emails claiming to be from a reputable financial
institution or e-commerce site that urges the recipient to click on a
link to update their personal profile or carry out some transaction.
Pharming
The name given to the scamming practice in which malicious code is
installed on a personal computer or server, misdirecting users to
fraudulent Web sites without their knowledge or consent.
Pharming has been called "phishing without a lure."
PAC
Personal Access Code. This is your secret number that you will be
asked to enter, parts of, when you sign onto FTB Phone & Internet
Banking as part of the authentication process.
Never reveal your PAC details to anyone. FTB will never email you requesting your Banking or Logon Details.
Patch
Patches, or security updates, are issued when security vulnerabilities are found in operating systems or browser software.
Patches are designed to fix vulnerabilities and you can download them via the internet.
FTB recommended that you keep your computer safe by regularly applying any genuine security patches.
Pop ups
Internet advertisements that open-up in new windows while you are surfing the internet.
Padlock
The symbol that appears at the bottom of your browser window to show you that you are visiting a secure web page.
Privacy Policy
Details on how a company keeps its customer information private.
A privacy policy should also say what is collected, how it is shared and why it's collected.
PDA
Personal digital assistants. A term for any small mobile hand-held
device that provides computing and information storage and retrieval
capabilities for personal or business use, often for keeping schedule
calendars and address book information handy.
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Terms beginning with 'Q'
There are no terms that start with the letter 'Q'.
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Terms beginning with 'R'
Registration Number
An 8 digit number issued to you by the bank that you will be asked to
enter when you sign onto Phone & Online Banking as part of
the authentication process.
Regular Payment
A regular payment is an instruction given to your bank to debit your account and credit your chosen account for a fixed amount on a set frequency (weekly, monthly etc.).
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Terms beginning with 'S'
Search Engine
A tool for locating information stored within a set area e.g., a personal computer or the internet.
Secure Sessions
When you log in to Online Banking you are said to be in a "secure session".
You can tell if you're accessing a secure web site when the address
begins with 'https', and a closed padlock appears on your browser
window (in Internet Explorer it is at the bottom right-hand side of
your screen).
Depending on your browser, a pop-up window may appear to let you know you that you will be entering a secure page.
Secure Socket Layer (SSL)
A system for encrypting data sent over the internet.
Security Certificate
Site certificates form an essential part of providing reassurance that the site you are visiting is genuine.
A site certificate shows you that a secure connection has been
established and secure communication can take place. It will also
demonstrate that you are not being tricked to enter your details on a
fraudulent website.
Shoulder surfing
Shoulder surfing is when someone looks over your shoulder to observe what you are doing on a computer or ATM.
Beware of anyone standing or sitting closely behind you, as this is one of the easiest ways of obtaining your PAC, passwords, PIN or other personal details.
Spam
The indiscriminate sending of unsolicited, unwanted, irrelevant or
inappropriate messages. Commercial advertising in mass quantities is
also considered spam.
Spoofing
The use of fraudulent web sites designed to look like legitimate ones in an attempt to capture personal details.
Spyware
A program that collects information about your activity on the internet and transmits that information to someone else.
It is often installed without your knowledge after you have clicked on a link or attachment contained within a fraudulent email.
Symptoms include your computer running slower, unwanted 'pop-up'
windows or being redirected to web sites that you didn't intend to
visit.
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Terms beginning with 'T'
Time out
A session time out is an automatic disconnection, for security
reasons, from any secure internet session after a period of inactivity.
Transaction log
A list of all your transfers, bill payments, one off transfers, one off bill payments or regular payments that you have made using the Online Banking service, including a record of any forward bill payments that have not yet been processed.
Trojan horse
A Trojan horse program is a malicious program that pretends to be a
benign application; it purposefully does something the user does not
expect.
Trojans are not viruses since they do not replicate, but Trojan
horse programs can be just as destructive and may be spread as a result
of a viral infection. Common Trojans are keyloggers.
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Terms beginning with 'U'
Utilities
The collective name for service suppliers (e.g. gas, electricity, phone).
you can set up and pay a large number of utility bills using Online Banking.
URL
Uniform Resource Locator. The address of a website, web page or resource on the internet.
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Terms beginning with 'V'
Virus
A software program or piece of code that is loaded onto your computer without your knowledge.
Viruses can be used to delete files on your PC, and disrupt the operation of your system.
Viruses are now mainly spread by emails and by file sharing services.
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Terms beginning with 'W'
WWW
World wide web.
Worm
A worm is a harmful program, similar to a virus.
Instead of attaching itself to an email or program, it travels
across computer networks. It may cause damage to the computers on the
network and affect computer performance.
Web Accessibility
When used in the context of web sites, accessibility means complying
with a set of internationally recognised guidelines in order to help
make the web equally accessible to those with and without disabilities.
Web address
Also know as the URL, it's the address of a website, web page or resource on the internet.
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Terms beginning with 'X'
There are no terms that start with the letter 'X'.
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Terms beginning with 'Y'
There are no terms that start with the letter 'Y'.
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Terms beginning with 'Z'
There are no terms that start with the letter 'Z'.
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