Field Guide · Rev 1.0 · October 2026 Companion to the VCRI Starter Kit

For community banks & credit unions · and any small team using the CIS Controls

Community Bank & Credit Union
Cyber Defense Kit.

Bank-grade security for an institution with a small IT shop and no dedicated security team, built entirely from free programs and open-source tools, and mapped to the CIS Controls so every box has an owner.

$0in software licenses. Every tool here is free or open-source.
3actions this week that close the doors most community-FI fraud walks through.
~40 hrsof staff time across the first quarter. That is the real cost.
18CIS Controls, with a free tool matched to each one below.

Why this matters, the two-minute version for the board

The losses that actually hit community banks and credit unions are not exotic. They are business email compromise and wire/ACH fraud, and ransomware. Per the FBI's Internet Crime Complaint Center (IC3), business email compromise is consistently among the costliest categories of reported cybercrime, measured in billions of dollars a year, and it rarely takes sophistication: a spoofed email, a missing second approval, one reused password.

The profile of a breached community institution is open doors: exposed remote access, weak or missing MFA, a domain any criminal can spoof, no dual control on wires, no tested backups. Small institutions are targeted because they are presumed undefended, and the fallout is not an IT problem, it is defrauded customers, a reportable incident, and a very bad examination. The good news: because the failure modes are simple, the fixes are too, and the federal government and the security industry now give the best tools away free.

If you do nothing else, do these three

1. Enroll in CISA's free vulnerability scanning so you learn about your internet exposure before an attacker does. 2. Lock the front door: MFA everywhere, dual control plus an out-of-band callback on every wire and ACH batch, and kill exposed remote access. 3. Stop criminals spoofing your domain with SPF, DKIM, and DMARC.

Everything else in this guide builds on those three.

Step zero, know your grade

Before starting, run the free BeaconScore self-assessment at valuechainrisk.org/scorer, from the VCRI Small Business Security Starter Kit (10-15 minutes, runs in your browser, your answers never leave your machine). It grades your whole operation, people, processes, technology, data, facilities, and how you use AI, not just your computers, and hands you a prioritized fix list. Re-run it after each tier and watch the grade climb: that is your progress report to the board and a useful artifact at exam time.

How to use this guide

The hands-on work is sequenced into three tiers, then the back half of this guide maps a free tool to every one of the 18 CIS Controls, so no requirement is ever blocked on budget. Tier 1 closes the doors fraud actually uses and enrolls you in programs with waiting periods. Tier 2 makes you resilient and able to answer "what do we do if…". Tier 3 gives you eyes on the network, and only makes sense once someone can look at a screen once a week.

Each item lists cost and time, with numbered steps specific enough to hand to a staff member. Items marked FREE have no license cost, ever, they are not trials. The CIS Control each item supports is noted in brackets, so this guide and your examiner's framework speak the same language.

A word on authorized testing

Several tools here actively probe systems for weaknesses. Run them only against systems you own and operate. Your core, online banking, and card platforms usually run on a service provider's infrastructure (Fiserv, FIS, Jack Henry, and others): never scan or test those without the provider's written authorization. When in doubt, test nothing until you have it in writing.

1

Close the doors

This week · ~8 hours

Enrollments that take days to activate, plus the highest-payoff afternoon of hands-on work. These stop the fraud paths used in almost every community-FI incident.

CISA Cyber Hygiene Vulnerability Scanning

FreeCIS 730 min to enroll

The US government will continuously scan your public-facing internet addresses and email you a weekly report of every exposed service and known vulnerability, the same view an attacker gets, in your inbox first. Financial services is one of the nation's critical infrastructure sectors, so you qualify. Zero effort after enrollment.

  1. Email vulnerability@cisa.dhs.gov with the subject line "Requesting Cyber Hygiene Services". Say you are a bank or credit union (critical infrastructure, you qualify).
  2. CISA replies with a service request form and acceptance letter. Fill them in and list your public IP addresses (your ISP can confirm the full range).
  3. Scanning usually begins within about three business days; your first report arrives within roughly two weeks, then weekly.
  4. Treat every "Critical" or "High" finding as a work order. Anything touching remote access, a VPN, or a public web application gets fixed that day.

Contact: vulnerability@cisa.dhs.gov · details at cisa.gov/cyber-hygiene-services

Remote access, credentials & MFA audit

$0CIS 5 · 61 afternoon

This is how small institutions actually get breached. One afternoon of unglamorous work removes the attack paths behind most account-takeover and ransomware incidents.

  1. Inventory every way in. List every method anyone uses to reach your systems from outside: VPN, RDP, TeamViewer/AnyDesk, vendor remote support, port forwards on the firewall. Ask each vendor directly: "How do you connect when we call you?"
  2. Turn on MFA everywhere it exists, and make it phishing-resistant where you can: email, VPN, the admin consoles for online and core banking, wire/ACH origination, cloud services, and your own bank accounts. Admin access to money movement without MFA is the finding that ends careers.
  3. Kill exposed remote access. Remove firewall port-forwards pointing at internal systems; uninstall any remote-access tool no one can explain. Rebuild legitimate needs properly (identity-based access, Tier 3 / CIS 6).
  4. Change every default and reused password into a password manager (per the VCRI Starter Kit). Enforce least privilege: no one keeps admin rights "just in case."

Tip: that inventory becomes the seed of your asset list (CIS 1) and your access-review (CIS 5).

Email authentication, SPF, DKIM, DMARC

FreeCIS 92-4 hrs + a few weeks to enforce

Business email compromise runs on spoofed domains. SPF, DKIM, and DMARC let receiving mail servers reject email that forges your bank's domain, protecting your customers and staff from fraud sent "from" you. It is free, and it is increasingly an examiner expectation.

  1. Publish an SPF record listing the servers allowed to send as your domain, and enable DKIM signing in your mail platform (Microsoft 365 / Google Workspace both document this).
  2. Publish a DMARC record starting at p=none with reporting turned on, so you can see who sends as you before you enforce.
  3. Read the reports with a free analyzer (for example URIports or dmarcian's free tier), fix any legitimate senders, then move to p=quarantine and finally p=reject.
  4. Do the same for every lookalike or parked domain you own, so no one can register a near-match and spoof it.

Why it is urgent: a spoofable domain is the raw material for wire-fraud emails aimed at your customers and your own staff.

Shodan Monitor, see yourself as attackers do

~$49 onceCIS 130 min

Shodan is the search engine attackers use to find exposed systems. A one-time membership lets you put a standing watch on your own addresses: the day something of yours is exposed to the internet, you get an email. It complements the CISA scan with instant alerts.

  1. Create an account at shodan.io and buy the one-time membership (~$49; they run frequent $5 sales).
  2. At monitor.shodan.io, add your public IP range and enable all alert types.
  3. Search Shodan for your institution's name and town. Anything of yours already listed goes to the top of today's list.

Contact: monitor.shodan.io · route alerts to two people, not one.

2

Build resilience

This quarter · ~24 hours

Stop the wire fraud, survive ransomware, find your own soft spots, and rehearse the bad day. One item per week finishes this tier in a quarter.

Wire & ACH fraud controls, dual control and callback

Free · processCIS 61-2 hrs to write, then enforced

The single highest-value control for a community institution, and it costs nothing but discipline. Most wire losses are not a hacked system, they are a legitimate operator tricked into sending money. Dual control plus an out-of-band callback breaks the fraud even when the email looks perfect.

  1. Dual control on every wire and ACH batch above a low threshold: one person initiates, a different person approves, in the system, never by email.
  2. Out-of-band callback for any new or changed payee or instruction: call back on a known number from your records, not a number in the request. This defeats business email compromise.
  3. Train the frontline that urgency and secrecy ("the CEO needs this wire now, do not tell anyone") are the fraud, not the exception.
  4. Write it as a one-page procedure, have the board adopt it, and test it in the tabletop below.

If a fraudulent wire goes out: report to the FBI's IC3 Financial Fraud Kill Chain immediately (ideally within 72 hours, for larger domestic wires) at ic3.gov, fast reporting is how funds get frozen and recovered.

Veeam Community Edition, backups that survive ransomware

Free · 10 machinesCIS 114 hrs + monthly test

Institutions that survive ransomware are the ones with tested, offline backups. Veeam's free edition covers 10 machines, enough for the servers that matter at most small banks.

  1. Download Veeam Backup & Replication Community Edition from veeam.com and install it on a dedicated machine, not one you are backing up.
  2. Back up, in priority order: domain controllers, file servers, the systems that hold loan and deposit records and documents, and any on-premises application servers.
  3. Follow 3-2-1: three copies, two media, one offline. The offline copy can be USB drives rotated weekly, the off-rotation drive unplugged in a drawer or offsite. Ransomware cannot encrypt a disconnected drive.
  4. Put a monthly 30-minute test on the calendar: restore one file, boot one machine's backup, and log it. An untested backup is a hope, not a plan, and the log is gold at exam time.

Note: confirm your core/online-banking provider's own backup and recovery commitments in writing; this covers what you run. Open-source alternatives: Duplicati, restic.

Internal vulnerability scanning

Free tiersCIS 72 hrs + monthly scan

CISA scans you from outside; this scans from inside, where a phished laptop or a flat network does the damage.

  1. Nessus Essentials (tenable.com) is free for up to 16 addresses, usually enough for a branch's core IT segment. Install on an office PC or VM and scan monthly.
  2. Greenbone / OpenVAS (greenbone.net) is free and open-source with no address limit, more setup effort, no cap.
  3. Work Critical findings first; most fixes are "install the update" or "turn off the unused service." Keep the reports, they document your vulnerability-management program.

Scope: your own IT network only. Never actively scan a provider-hosted platform without written authorization.

Automated exploitability scanning, Nuclei & OWASP ZAP

Free · open-sourceCIS 16 · 18half a day to learn

A vulnerability scanner tells you a service might be weak. These tools help answer the sharper question: is it actually exploitable from where an attacker stands? They turn a long list of "criticals" into the short list that truly matters, on the systems you own.

  1. Nuclei (github.com/projectdiscovery/nuclei) runs a large, community-maintained library of templates that check for specific, known-exploitable conditions against your public addresses and web apps. Fast, scriptable, and it tells you which known issue is live, not just that a port is open.
  2. OWASP ZAP (zaproxy.org) is a free web-application scanner (DAST). Point it at a web app you operate, a marketing site, a customer portal you host, to find injection, authentication, and session flaws before someone else does.
  3. Start with ZAP's passive scan and Nuclei's safe template sets; graduate to active checks only in a test window, with change management, and with monitoring watching.

Authorized scope only, read before you run

  • Run these only against systems you own and operate. Core, online banking, and card platforms on a provider's infrastructure are off-limits without the provider's written authorization.
  • Active exploitability checks can disrupt fragile systems. Test in a window, with change control, and with a rollback plan.
  • Keep scope, authorization, and results documented, that record is both your evidence and your protection.

Going further: the Metasploit Framework (CIS 18) validates exploitability hands-on; treat it as a tool for an authorized tester, internal or hired, not a routine scan.

Assess against a real framework (the FFIEC CAT is gone)

FreeGovernance1-2 days

The FFIEC retired its Cybersecurity Assessment Tool on 31 August 2025. There is no mandated replacement, but examiners now expect you to assess against an established framework. Two free ones are built for exactly this.

  1. CRI Profile (cyberriskinstitute.org): the financial-sector framework, free, maps to NIST CSF, FFIEC, and more. The most direct CAT successor for a bank or credit union.
  2. NIST CSF 2.0 and CISA's Cross-Sector Cybersecurity Performance Goals are the other FFIEC-named options; the CIS Controls (mapped below) are a concrete, tool-backed way to execute them.
  3. Credit unions: the NCUA's ACET was CAT-based and is affected by the same sunset; confirm current NCUA guidance and use the CRI Profile or NIST CSF 2.0 in the interim.
  4. Miss the CAT's maturity charts? The free BeaconScore renders your result as an examiner-style report with baselines derived from the FFIEC CAT, plus a maturity radar and a domain heatmap, the familiar CAT-style view, free, now that the official tool is retired. It is the fastest way to hand your board and your examiner something that looks like what they are used to.

Keep the artifact: your completed self-assessment plus the BeaconScore examiner-style report and your scan logs are the exam story that you run a real program.

Tabletop exercise, rehearse the bad day

Free materialsCIS 172 hrs, whole team

Two hours walking through "a wire went out to a criminal" or "the servers are encrypted", often the first time operations, IT, lending, and management talk through the same emergency. CISA and FS-ISAC both publish ready-made packages with facilitator scripts.

  1. Download a CISA Tabletop Exercise Package from cisa.gov (ransomware or business-email-compromise scenario), and ask FS-ISAC about its member exercises.
  2. Invite the president, operations, whoever does IT, lending, and your core/IT provider. Walk the scenario and capture every "wait, who calls whom?"
  3. Write the one-page result: who declares an incident; who calls the FBI/IC3, the Secret Service, your regulator, your insurer, and FS-ISAC; and your customer-notification path. Print it, the plan must survive the network being down.

During an incident: report@cisa.gov · 1-844-SAY-CISA · ic3.gov · plus your regulator and FS-ISAC.

3

Eyes on the network

When you have help · 2 days + weekly check

Detection only helps if someone looks. Do this tier when a staff member can own a 30-minute weekly review.

OSSEC / Wazuh, a tripwire for your critical servers

Free · open-sourceCIS 81 day + weekly review

This is the "tripwire" function: file integrity monitoring plus host intrusion detection. An agent on each critical server watches the files, registry keys, and accounts that should almost never change, and alerts the moment they do, exactly how you catch an intruder who already has a foothold. Wazuh is the actively developed successor to OSSEC and adds log collection and alerting; OSSEC is the lighter original if you want minimal footprint.

  1. Install the Wazuh server (wazuh.com) on a dedicated VM, then deploy the agent to your highest-value hosts: domain controllers, file and application servers, the wire/ACH workstation, and any server holding customer records.
  2. Turn on file integrity monitoring for the directories, binaries, and registry keys that should not change day to day, and enable the rules for new admin accounts, failed logins, service changes, and ransomware-like file activity.
  3. Prefer OSSEC (ossec.net) if you want a lean, server-only HIDS/FIM; add AIDE (aide.github.io) on Linux hosts for simple, classic tripwire-style integrity checks.
  4. Weekly ritual (30 min, calendared): review integrity alerts, new accounts, and authentication failures. Screenshot the dashboard into a running log, that trail is gold for auditors, examiners, and any future incident.

Note: Wazuh also satisfies much of CIS 8 (audit log management) for the hosts it covers.

The Sensor Box, network detection in one machine

~$800-1,500 hardwareAll software freeCIS 132 days

One quiet PC plugged into a mirror port on your core switch, running free, open-source software. It listens to a copy of your traffic, it cannot touch operations, and gives you intrusion detection, full network visibility, and an automatic asset inventory: the architecture commercial products charge five figures a year for.

 INTERNET ── FIREWALL ── CORE SWITCH ────────── branch PCs, servers
                             │ ░ SPAN/mirror port (copy of traffic)
                             ▼
                       ┌───────────────┐
                       │  SENSOR BOX   │  NIC 1: sniffing (no IP address)
                       │  Security     │  NIC 2: management (dashboards)
                       │  Onion        │
                       └───────────────┘

The box receives copies of packets and sends nothing back. Dashboards are viewed from the management NIC.

Hardware (~$800-1,500): a small server or mini-PC with 8+ cores, 32 GB RAM (64 GB if budget allows), a 1-2 TB SSD, and at least two Ethernet ports. Refurbished business hardware works fine.

  1. Configure a SPAN/mirror port on your core switch to copy all traffic, and cable it to the box's sniffing NIC (the sniffing NIC gets no IP address).
  2. Install Security Onion (securityonionsolutions.com), the free, open-source monitoring distribution. One install gives you Suricata (intrusion detection), Zeek (traffic analysis), full packet search, and dashboards, and it integrates Wazuh from the tier above.
  3. Baseline week: let it run, then review the asset list with your IT lead. "What is that device?" is the whole point.
  4. Weekly review (30 min): top alerts, new devices, authentication failures, anything talking to somewhere it should not. Log it.

Safety rules, non-negotiable

  • The sniffing NIC gets no IP address. The box listens; it never talks on the monitored network.
  • The box gets a strong password, MFA'd remote admin, and a place in your backups.
  • Passive only. Active scanning belongs to CIS 7 / 16 / 18, in scope and in a window.

A free tool for every CIS Control

The CIS Critical Security Controls (v8.1) are the field's consensus checklist, and Implementation Group 1 (IG1) is the essential-hygiene baseline for small organizations. Below is a free or open-source tool for each of the 18 Controls, so no requirement is ever blocked on budget. The tiered guide above is where several of these get used in anger; this table is the complete map.

Read first

Free tiers have limits and open-source tools cost staff time, not licenses. Verify current licensing when you adopt, terms change. Run anything that actively probes only against systems you own or are authorized in writing to test. This map is a starting point, not a compliance guarantee.

#CIS ControlFree / open-source toolWhat it does for you
1Inventory & Control of Enterprise AssetsrunZero Community, Nmap, FingFind and track every device on your network, including the ones nobody remembered.
2Inventory & Control of Software Assetsosquery, GLPI / OCS InventoryKnow what software is installed everywhere, and flag what should not be.
3Data ProtectionVeraCrypt, Cryptomator (+ built-in BitLocker / FileVault)Encrypt laptops, drives, and files holding customer data at rest.
4Secure Configuration of Assets & SoftwareCIS-CAT Lite, OpenSCAP, LynisCheck systems against hardening benchmarks and fix insecure defaults.
5Account ManagementBuilt-in directory + scheduled access reviews; Keycloak (open IAM)Inventory accounts, kill stale and shared ones, review access on a schedule.
6Access Control ManagementTailscale (identity-based access), Keycloak, authenticator-app / free MFA tiersLeast privilege and MFA; grant access by identity, not by open port.
7Continuous Vulnerability ManagementGreenbone / OpenVAS, Nessus Essentials, NucleiFind known vulnerabilities on a schedule, and which are actually exploitable.
8Audit Log ManagementWazuh, Graylog Open, syslogCollect and alert on logs; file-integrity "tripwire" on critical servers.
9Email & Web Browser ProtectionsSPF/DKIM/DMARC (URIports free), DNS filtering (Quad9, Cloudflare for Families), uBlock OriginStop domain spoofing and block malicious sites before they load.
10Malware DefensesMicrosoft Defender (built-in), ClamAV, YARADetect and block malware on endpoints and servers.
11Data RecoveryVeeam Community Edition, Duplicati, resticTested, offline backups that survive ransomware.
12Network Infrastructure ManagementOxidized / RANCID (config backup), OPNsense (open firewall)Back up and version device configs; run a modern, patchable firewall.
13Network Monitoring & DefenseSecurity Onion (Suricata + Zeek + Wazuh)Intrusion detection and full network visibility from a mirror port.
14Security Awareness & Skills TrainingGophish (phishing simulation), CISA free trainingTrain and test staff against phishing and wire-fraud lures.
15Service Provider ManagementVCRI BeaconScore & CRA Manual Builder; CRI Profile third-party moduleRate and document the security posture of your core, fintech, and IT vendors.
16Application Software SecurityOWASP ZAP (DAST), Semgrep (SAST), OWASP Dependency-Check, Trivy, GitleaksTest web apps and code you build or host for exploitable flaws and leaked secrets.
17Incident Response ManagementCISA Tabletop Exercise Packages, DFIR-IRIS (open case management)Rehearse incidents and run a real response when one happens.
18Penetration TestingMetasploit Framework, OWASP ZAP, Nuclei, Kali LinuxValidate, under authorization, that controls actually stop an attacker.

Controls 15 and 16 are where the Value Chain Risk Institute lives: measuring the security of the vendors in your chain, and of the software and AI you rely on. Our tools for that are free too, see valuechainrisk.org/scorer.

Free humans, you are not alone

Tools alert; people help. These exist to help institutions like yours, at little or no cost.

WhoWhat they do for youReach them
FS-ISACFinancial-sector threat intelligence in plain language, member community, exercisesfsisac.com
FBI IC3, Financial Fraud Kill ChainReport fraudulent wires fast for a chance to freeze and recover fundsic3.gov
US Secret ServiceCyber Fraud Task Forces; financial-crime and wire-fraud investigationsecretservice.gov/investigations
CISA Regional Advisor + CSET + CPGsRegional contact, incident routing, free self-assessment tool and performance goalscisa.gov/about/regions
Cyber Risk Institute (CRI)The free CRI Profile, the financial-sector framework that succeeds the FFIEC CATcyberriskinstitute.org
Your regulatorGuidance and exam expectations: FDIC / OCC / Federal Reserve for banks, NCUA for credit unions, plus your state departmentyour examiner / regulator site
InfraGardFBI-private-sector partnership; sector alerts and local chaptersinfragard.org
Incident reporting24/7 federal incident assistancereport@cisa.gov · 1-844-SAY-CISA · ic3.gov