Online Banking Security Statement
The Citizens Bank of Fayette provides Internet banking (Online Banking) access through Jack Henry and Associates’ NetTeller service. Jack Henry and Associates requires all of its division and companies to take proactive steps to ensure that the systems they own or participate in contain adequate security measures to limit the possibility of unintended distribution of confidential information and the potential for fraud-related losses. The Internet Banking Service Bureau runs on a robust Windows operating system.
State of the art firewall technology is the first line of defense in preventing unauthorized access to any information housed. Included in this operating system is the capacity to allow only secure connections by end users. Secure Socket Layer (SSL) technology encrypts all transmissions of web pages and data between the financial institution and its customers and renders unreadable customer information to any person or group trying to “intercept” the transmission. SSL encryption is the industry standard and is commonly used in internet applications that require security and privacy for sensitive data.
Before the customer accesses Internet Banking, they are required to enter their user ID and password. Without the proper login, individuals cannot see or use any web pages within the Online Banking product.
Account Number Masking and Account Aliases
For security reasons, complete account number(s) never appear on the computer screen. When the account number needs to be displayed it appears as #####6789 instead of 123456789. Financial institutions have the flexibility to determine how many digits are “unmasked” and the masking will always occur from the left. Account “aliases” are user-defined titles for the customer account (i.e., “My Checking”) and is used when displaying account information on the screen.
When consumers access their information online, their connection is automatically converted into a secure Internet communications session.
When customers access their account information or any other sensitive data, an encryption system is automatically activated to protect the transmission of information from unauthorized sources. The relative infancy of the Internet as a broad-based communication medium when combined with the “open” nature of the Internet make is impossible to guarantee absolute confidentiality in all circumstances. However, The Citizens Bank of Fayette continues to monitor and review security procedures to protect customer information. These measures are updated as practices change and new technology becomes available.
If you have any question regarding these policies and procedures, please
contact us at: (205) 932-8911.
contact us at: (205) 932-8911.
Steps Consumers Can Take To Prevent ID Theft
Here are several things you can tell consumers to do to protect themselves from identity theft:
- Protect your Social Security number, credit cards, account passwords and other personal information. Never divulge this kind of information unless you initiate the contact with a person or a company you know and trust.
- Limit the information you carry. Don’t carry around more checks, credit cards or other bank items than you really expect to need. Don’t carry your Social Security number in your wallet or have it preprinted on your checks. Select passwords and Personal Identification Numbers (PINs) that will be difficult for someone else to figure out- for example, don’t use your birth date or home address. Don’t keep this information on or near your checkbook, ATM card or debit card.
- Protect your mail. Promptly remove mail from your mailbox after it has been delivered. If you’re going to be away on vacation or some other travel, have your mail held at your local post office or ask someone you know and trust to collect your mail. Deposit sensitive outgoing mail in one of the Postal Service’s blue collection boxes, hand it to a mail carrier or take it to a local post office instead of leaving it in your doorway or home mailbox.
- Keep information secure in your home. Safely store extra checks and credit cards, documents that list your Social Security number, and similar valuable items. Be extra careful if you have housemates or if you let workers into your home. “Dumpster divers” pick through garbage looking for financial information, so tear it into small pieces or use a paper shredder before disposal.
- Pay attention to your account statements and credit card bills. Contact the financial institution immediately if there’s a discrepancy in your records or if you notice something suspicious, such as missing payment or an unauthorized withdrawal. Also contact the institution if a bank statement or credit card bill doesn’t arrive on time. That could be a sign someone has stolen account information and changed your mailing address in order to run up big bills in your name from another location.
- Review your credit report once a year. Your credit report (prepared by a credit bureau) will include identifying information (such as your name, address, Social Security Number and date of birth) as well as details about credit cards and loans in your name and how bills are being paid. Make sure the report is accurate; this includes monitoring it for unauthorized bank accounts, credit cards and purchases.
A message from the Federal Deposit Insurance Corporation
A CYBERSECURITY GUIDE for Financial Institution Customers
Computer-related crimes affecting businesses and consumers are frequently in the news. While federally insured financial institutions are required to have vigorous information security programs to safeguard financial data, financial institution customers also need to know how to steer clear of fraudsters.
This guide, developed by the Federal Deposit Insurance Corporation, provides cybersecurity information for financial institutions’ customers on how to protect and maintain their own computer systems.
Take precautions with your tablet or smartphone.
Consider opting for automatic updates for your device’s operating system and “apps” (applications) when they become available to help reduce your vulnerability to software problems. Never leave your mobile device unattended and use a password or other security feature to restrict access in case your device is lost or stolen. Make sure you enable the “time-out” or “ auto-lock” feature that secures your mobile device when it is left unused for a certain period of time. Research any app before downloading it. Consult your financial institution’s website to confirm where to download its official mobile application.
Be suspicious of unsolicited e-mails asking you to click on a link, download an attachment, or provide account information.
It’s easy for cyber criminals to copy the logo of a reputable company or organization into a phishing email. When responding to a simple request, you may be installing malware. Your safest strategy is to ignore unsolicited requests, no matter how legitimate or enticing they appear.
Be careful where and how you connect to the Internet.
Only access the Internet for banking or for other activities that involve personal information using your own laptop or mobile device through a known, trusted, and secure connection. A public computer, such as at a hotel business center or public library, and free Wi-Fi networks are not necessarily secure. It can be relatively easy for cyber criminals to intercept the Internet traffic in these locations.
Be careful when using social networking sites.
Cyber criminals use social networking sites to gather details about individuals, such as their place or date of birth, a pet’s name, their mother’s maiden name, and other information that can help them figure out passwords — or how to reset them. Don’t share your ‘page’ or access to your information with anyone you don’t know and trust. Cyber criminals may pretend to be your ‘friend’ to convince you to send money or divulge personal information.
Protect your computer.
Install software that protects against malware, or malicious software, which can access a computer system without your consent to steal passwords or account numbers. Also, use a firewall program to prevent unauthorized access to your PC. While protection options vary, make sure the settings allow for automatic updates.
Use the strongest method available to log into financial accounts.
Use the strongest authentication offered, especially for high-risk transactions. Use passwords that are difficult to guess and keep them secret. Create “strong” user IDs and passwords for your computers, mobile devices, and online accounts by using combinations of upper- and lower-case letters, numbers, and symbols that are hard to guess and then change them regularly. Although using the same password or PIN for several accounts can be tempting, doing so means a criminal who obtains one password or PIN can log in to other accounts.
Understand Internet safety features.
You can have greater confidence that a website is authentic and that it encrypts (scrambles) your information during transmission if the web address starts with “https://.” Also, ensure that you are logged out of financial accounts when you complete your transactions or walk away from the computer. To learn about additional safety steps, review your web browser’s user instructions.
To learn more about cybersecurity, visit the “Stop. Think. Connect. Resource Guide” at www.stcguide.com/resource-index.