Security Statement

Our Online Banking System brings together a combination of industry-approved security technologies to protect your data. It features a controlled entry system using password complexity requirements, RSA controlled user verification controls, a VeriSign-issued Digital ID website address, usage of Secure Sockets Layer (SSL) protocol for data encryption and a significant barrier of firewall devices to regulate inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

To begin an Online Banking session the user must key a Login ID and Password as well as verify a personalized security image. The Online Banking system uses a lock-out mechanism to deter users from repeated login attempts. Once a user’s login has been locked, the user is required either to contact the bank via phone or attempt to reset via our automated password verification reset utility located on the site in order to regain access to the system.

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 holes 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.