Savings Bank understands that the security of your personal
and account information is important to you. We also understand
that our continued success as a financial institution relies
on both our ability to offer banking services to you in a
secure manner as well as your responsibility in keeping any
access codes, passwords or PINs secure. To assist us in offering
these Web-based banking services in a secure manner, we employ
a number of measures, which are described below. These measures
allow us, among other benefits, to properly authenticate
your identity when you access these services and protect
your information as it traverses the Internet between your
PC and Hebron Savings Bank.
Every end user must privately maintain a combination of a
log-in ID and password. Because the end user is assigned
password by the bank administrator, the online banking system
forces the end user to change the password once logged onto
the system and before any transactions can be requested. This
forces the end user to establish an absolutely private password.
If, in case the password is loss or forgotten the administrator
will be able to reset a default password for the end user once
the Bank has confirmed your identity.
If an unauthorized person attempts entry into an end user’s
account by trying to guess a Log-In ID, the system will disable
the password on the third incorrect attempt, thus invalidating
the log-in combination. If you accidentally activate this security
feature by unintentionally mis-keying a password three times,
you would need to call the Bank to reestablish the password
for that account. For example, a common mistake made by the
end user is having the Caps-Lock on while keying in a password.
To further protect you, a timeout feature is used. This feature
will automatically log you out of your current financial service
session after a 10-minute period on our site.
The Bank also requires the use of secure browsers to protect
you while you access our online banking services. More specifically,
the personal and account information that flows back and forth
between your PC and the Bank must be encrypted while in transit – secure
browsers are how we achieve this level of protection. Encryption
is the process of scrambling information (typically for data
transmission) so that it can only be reassembled in its original
clear text format by someone who has the correct encryption
key to do so. When used between you and the Bank, this technology
encrypts your personal information as you send it to us, which
only Hebron Savings Bank can decrypt. Likewise, when we send
personal or account information to you, this technology encrypts
it, which only you can decrypt. This is possible through a
certified 128 bit secure server by VeriSign so that no unauthorized
individuals can read or decipher the data.
It is isolated from the network via "firewall".
All requests to the server are filtered through a router
before they are permitted access to the server. A router is
a piece of hardware that works in conjunction with the firewall,
a piece of software, to block and direct traffic coming to
the server. The router and software "firewall" define
and limit access that "outside" computers have to
the Bank’s server. The configuration begins by disallowing
ALL traffic and then opens only when necessary to process acceptable
data requests, such as sending customer requests to the Bank.
While Hebron Savings Bank works to protect your banking privacy,
you will also play an important role in protecting your accounts.
There are a number of steps you can take to ensure that your
Hebron Savings Bank account information is protected, including:
- Keep your PIN to yourself.
- Change your PIN frequently.
- Remain at your computer
until your Online Banking transactions are completed and
log out. Log out of Online Banking
prior to visiting other Internet sites.
- If you notice suspicious or unusual
activity on your Online Banking accounts, call our Bookkeeping
regular business hours at (410)749-1185.