Arthur State Bank understands the importance of providing top-level security measures to ensure our customers protection. We are committed to providing our customers with leading-edge online financial services and a secure environment for conducting business. At Arthur State Bank we have taken every precaution necessary to be sure information is transmitted safely and securely. The latest methods in Internet banking system security are used to increase and monitor the integrity and security of the system. We utilize a number of methods and techniques discussed below to provide the best security possible.
User IDs and Passwords
To obtain financial services from the Arthur State Bank website, customers must have a User ID and a Password. In the enrollment process for online services, customers select a user ID for approval. This ID is approved assuming it does not duplicate any previously chosen ID and falls within our User ID requirements. When a customer has an approved User ID, we will assign a temporary password, which must be changed with first time access to the system. Access to our website to find out about customer’s personal financial dealings with Arthur State Bank is impossible without having both a User ID and Password. Customers should treat both a User ID and Password with the same degree of care and secrecy as an ATM security code (PIN) and other sensitive financial data.
Arthur State Bank’s website has a timeout feature in those areas requiring account login to access a customer’s financial information. This feature automatically logs out the user from the current session after an extended period of inactivity on our site. Because someone else might obtain physical access to a customers system, it is better for privacy reasons to exit the financial services session after all activity is finished, rather than waiting for the timeout feature to occur.
E-mail transmitted across the Internet is normally not encrypted and may be intercepted by third parties. Customers should therefore avoid sending any confidential or private information in e-mails to Arthur State Bank. Likewise, we will not include confidential information in any e-mailed response to you. A comment form that uses cryptography to protect information in transit between us is provided on Arthur State Bank’s website. Arthur State Bank retains the content of your e-mail and our replies to ensure proper responses to your questions and requests and to comply with legal and regulatory requirements. We may also use the content of these communications to deliver quality services in the future.
Arthur State Bank uses encryption techniques to protect personal information.
Firewalls and Activity Reports
Arthur State Bank employs an additional protection mechanism known as a firewall to protect our computer systems and personal information. Firewalls can be thought of as selective barriers that allow only authorized traffic (our Online Banking customers) through to Arthur State Bank systems. We also review activity reports to find anything that appears out of the ordinary. We look at specific individual information only to investigate activities that appear suspicious and to protect our systems and personal information.
Arthur State Bank utilizes a professional security monitoring company to serve as a lookout for potential intruders and problems with our systems. We selected this company based on their extensive background and experience with security monitoring. We only utilize proven security monitoring experts. This company will provide around-the-clock coverage, 24 hours a day / 7days a week. They will NOT have access to or be able to see what activity is occurring on a customer’s account. Our security monitoring company will only be detecting unauthorized access attempts and malicious activities.
For additional security, Arthur State Bank uses digital certificates.
Online Banking and Online Bill Pay Security Information
Arthur State Bank utilizes two different pieces of information to properly identify and authenticate a customer prior to allowing online access to our web-based Online Banking and Online Bill Pay services. The first piece of information needed is a User ID, which serves to identify you and your account relationship with Arthur State Bank. The other piece of information serves to authenticate your identity – to prove you are who you say you are and not anyone else pretending to be you. This item is your Password or PIN (Personal Identification Number).
Consumer Tips for Protecting Personal Information
All transactions are encrypted for security, and the Online Banking system is as secure as using an ATM. There are, however, a few steps you can take to ensure your account information is secure.
- Never leave your user name and password where another person can find them.
- Always use the Exit option on the Main Menu to leave the Online Banking system when you are finished.
- Never give out your Social Security number or personal credit information over the telephone unless you initiate the call.
- Tear up or shred receipts, bank statements and unused credit card offers before discarding them.
- Watch your mail. If you are missing a statement, a check or a bill, someone may have changed your address. Call the source to find out why the item is missing. Also, don’t mail sensitive information from your home mailbox where it can be taken. Drop it in a post box or at the Post Office instead.
- Review your credit report annually and correct any mistakes.
- Know the reputation of companies you deal with, especially over the Internet.
- Make sure you use secure sites on the Internet. Your browser should display a key or a padlock to indicate secure sites.
- Don’t open suspicious e-mails and report any suspected fraud immediately.
- Protect your Personal Identification Numbers (PINs) and passwords. Change your passwords often, using a combination of letters and numbers.
- Eliminate cached pages before leaving a shared or public computer
- Don’t share your PIN with anyone
- Select a PIN that is hard to guess, but easy for you to remember
- Don’t leave your computer while it is in the middle of an Online Banking or Online Bill Pay session
For inquiries concerning information related to this website, please Contact Us.