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Disclosures

SECURITY STATEMENT

Security and Encryption

Our online banking system brings together a combination of industry approved security technologies and recommended customer security procedures. We feature a password controlled system, Secure Sockets Layer (SSL) protocol for data encryption, VeriSign Digital ID, a router and firewall to regulate incoming and outgoing information to protect both your information and ours.

Browser

Security begins with your browser. Our SSL encryption has been certified as a 128-bit secure server. Only a web browser such as Netscape Navigator 4.7 or higher or Microsoft Internet Explorer 5.0 or higher will be supported. These browsers support 128 bit Secure Sockets Layer encryption. This provides a secure channel for data transmission. When you connect to our server, all requests sent by you and responses from us are encrypted.

Authenticity

To begin a session, you will be asked for your Log-In ID and user password. We use a “three strikes and you’re out” philosophy to protect our customers. After three unsuccessful attempts, the system locks out the user until someone from the bank intervenes and verifies the customer and password. Digital ID verifies the user’s identity and establishes a secure connection.

Data Transfer

Because of the security features of both the required browser and our SSL encrypted server, the connection is secure. Data traveling over the internet between the user and the bank is encrypted with the top industry standard, Secure Sockets (SSL) protocol.

Router and Firewall

All log-in requests are first filtered through a router and then through a firewall to determine whether the user is granted access to the requested destination and to protect the internal bank network from unauthorized outside access. The router is responsible for determining who has access to which parts of internet banking. The firewall is a higher level of security to further filter and verify access.

UNLAWFUL INTERNET GAMBLING NOTICE FOR COMMERCIAL CLIENTS

PROTECTING YOURSELF FROM FRAUD

TERMS OF USE

TEXT MESSAGE (SMS) TERMS OF USE

EXPLANATION OF FDIC COVERAGE 

CONSUMER SCHEDULE OF FEES

HOME MORTGAGE DISCLOSURE ACT NOTICE

E-SIGN DISCLOSURE

INTERNET BANKING AGREEMENT AND DISCLOSURE