SECURITY STATEMENT

This Online Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, multifactor authentication, a VeriSign-issued Digital ID for the internet banking server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID and a password at a previously registered computer.  If the computer is being used for the first time, the user will have to register the computer through the bank’s multi-factor authentication program. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to reset the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, is used to establish a secure session with that customer.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens ports only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet Banking transactions are secure.

We advise you to exercise caution when sending us e-mail through the Internet; as such transmissions may not be secure.
For example, e-mail may be intercepted by a third party or may not be received by the designated person or department in a timely manner. Therefore, please do not use e-mail to send us confidential or privileged information, such as account numbers or financial information, any information that may need our immediate attention, or information we have required you to send us in a signed writing or by other express means. If you chose to do so, we will not be liable to you for any losses or damages incurred as a result of any information transmitted by you in this manner or as a result of your use of e-mail for the transmission of, or our failure to respond to e-mail that includes information that we have required you to submit through another express means or medium. Please be aware that when you receive a message acknowledging your e-mail has been sent, it means that your e-mail has been routed into the Internet and not that the message has been received by us. Good rule of thumb: Never put anything in an email message that you wouldn’t mind reading later on the front page of a newspaper.

Privacy Statement