Privacy Policy
Security State Bank recognizes the importance you place on your
privacy and the confidentiality of your financial information.
Therefore, we do not disclose and do not reserve the right to
disclose nonpublic personal information about our customers or
former customers, personal or commercial. We think it is
important for you to be informed of the policies we have in
place to safeguard your privacy. The Security State Bank
collects nonpublic personal information about you from the
following sources:
- Information we receive from you on applications or other
forms;
- Information about your transactions with us or others;
- Information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about you
to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive
customer, we will adhere to the privacy policies and practices
as described in this notice.
Security State Bank restricts access to your personal and
account information to those employees who need to know that
information to provide products and services to you. Security
State Bank maintains physical, electronic, and procedural
safeguards that comply with federal standards to guard your
nonpublic personal information.
If you have any questions concerning the new financial privacy
regulations or our privacy policies, please feel free to call on
us at 409/267-3171.
Back to Top
USA PATRIOT Act
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that
identifies each person who opens an account.
What this means for you: When you open an account, we will ask
your name, address, date of birth, and other information that
will allow us to identify you. We may also ask to see your
driver’s license or other identifying documents.
Back to Top
Online Banking Security
Keeping your online banking transactions safe and secure is
Security State Bank's highest priority. This level of security
is achieved by:
- Protecting the privacy and confidentiality of the
communications between your browser and our servers, and
- Verifying that only authorized persons are allowed to access
online banking.
We're serious about protecting your privacy and the security of
your banking information.
Technology Used To Protect You
eBANK AROUND THE CLOCK was built using industry-approved
security technologies to protect data for the bank and for you,
our customer. It features a password-controlled system entry, an
issued Digital ID for the server, Secure Sockets Layer (SSL)
protocol for data encryption, and a router and firewall to
regulate the inflow and outflow of server traffic.
When you log in to online banking, your browser establishes a
secure session with our server. The secure session is
established with SSL encryption. This protocol requires the
exchange of what are called public and private keys. Keys are
random numbers chosen for that session and are only known
between your browser and our server. Both sides require the keys
as the message is scrambled when sent and de-scrambled when
received. The SSL protocol not only ensures privacy, but also
ensures that no other browser can “impersonate” your browser,
nor alter any of the information sent.
The strength of the encryption is based on the number of
possible combinations that a lock can have. As the number of
possible combinations grows, it becomes less likely that anyone
would be able to guess the combination in order to decrypt the
message. Security State Bank uses 128-bit SSL encryption and we
recommend that you use a 128- bit capable browser.
Requests must filter through a router and firewall before they
are permitted to reach the server. A router is a piece of
hardware that works in conjunction with a piece of software,
known as a firewall, 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.
Information Security
Beware of Phishing! (Pronounced fishing) Phishing involves the
use of seemingly legitimate email messages and Internet websites
to trick customers into disclosing sensitive information, such
as bank account information, social security numbers, credit
card numbers, passwords, and personal identification numbers
(PINS). The fraudulent email message usually requests the
customer to update or validate their financial or personal
information in order to maintain their accounts, and directs
them to a fake website that may look like the website of a
legitimate business.
Some consumers will mistakenly submit financial and personal
information to the perpetrator who will use it to gain access to
financial records or accounts, commit identity theft or engage
in other illegal acts.
Please be advised that Security State Bank does NOT send email
messages to its customers asking for verification of any
personal information.
Using Your Security Password
An Access ID and Password are issued to you when you sign up for
online banking. It is critical that you carefully protect your
Access ID and Password. You agree not to allow anyone to gain
access to your information by letting them know your Access ID
and Password. You agree to assume responsibility for all
transactions up to the limits allowed by applicable law. For
your protection, eBANK AROUND THE CLOCK has a "3 strikes and
you're out" policy to deter users from repeated login attempts.
After three unsuccessful login attempts, the system locks the
user out, requiring either a designated wait period or a phone
call to the bank to verify the password before re-entry into the
system.
If Your Password Has Been Lost or Stolen
If you believe your Password has been lost or stolen, call
Security State Bank immediately at 409/267-3171, during regular
business hours. Telephoning Security State Bank is the best way
of minimizing your losses. If you believe your Password has been
lost or stolen and you telephone or write us within two business
days after you learn of the loss or theft, you can lose no more
than $50.00 if someone uses your Password without your
permission. If you do NOT telephone or write us within two
business days after you learn of the loss or theft of your
Password, and we can prove we could have stopped someone from
using your Password without your permission if you had told us,
you could lose as much as $500.00.
Cookies
Security State Bank uses “Cookies” to track customers through
our secure web site to enable the use of Internet Banking. They
are used for security reasons and are not used to collect
customer data in any manner.
Back to Top
ATM Security
ATM cards are very convenient, and as good as cash. For this
reason, we recommend that you treat your card with the same care
and caution that you would cash.Keeping your ATM Card Secure
- Always keep your card in a safe place. Store your card in a
card sleeve, which will protect the card’s magnetic strip and
ensure that the card functions properly.
- Keep your “Secret Code” a secret. Your ATM card will only work
with your personal identification number (PIN). Memorize the
code. Never write it on your card or store it with the card. Do
not tell anyone your code or let someone enter the code for you.
- Take your ATM receipt with you. Do not leave it at or near the
ATM.
- Do not give out any information about your ATM card over the
telephone. No one needs to know your secret code. Not even your
financial institution.
- Report a lost or stolen card at once. Call us during regular
business hours at 409/267-3171 and report the lost or stolen
card to reduce the chance that it will be used improperly. You
will be issued another card.
- Check your receipts against your monthly statement to guard
against ATM fraud.
Security at Walk Up ATMs
- Observe your surrounds before conducting an ATM transaction.
Park as close as possible to the terminal and observe the area
from the safety of your car before getting out. Leave the area
at once if anyone or anything appears suspicious.
- Do not approach an ATM that is obstructed from view or poorly
lit. Consider having someone accompany you to the terminal,
especially at night.
- Minimize time spent at the terminal by having your card out
and ready to use. If the terminal is in use, give the user the
same privacy you expect, and allow them to move away before you
approach the terminal.
- Stand between the ATM and anyone waiting to use the terminal
so that others cannot see your secret code or transaction
amount. When you have completed the transaction, take your
money, card and receipt and immediately move away from the
terminal.
- Do not display the cash; pocket it as soon as you have
completed the transaction and count the cash when safely in your
car, home or other secure surroundings.
- If you see anyone or anything suspicious during your
transaction, cancel the transaction, pocket your card, and leave
immediately.
- If anyone follows you after making an ATM transaction, go
immediately into a crowded, well-lit area and call the police.
Security at Drive Up ATMs
- Keep your engine running, the doors locked and the windows
rolled up at all times when waiting in line.
- When possible, leave enough room between cars to allow for a
quick exit, should it become necessary.
- If an ATM is obstructed from view or poorly lit, go to another
ATM.
- Before rolling down the window to use the ATM, observe the
entire area and drive away if anyone or anything appears
suspicious.
- Minimize time spent at the ATM by having your card out and
ready to use. When you have completed the transaction, take your
money, card and receipt and drive away from the terminal. If you
see anyone or anything suspicious during your transaction,
cancel the transaction, take your card, and leave immediately.
- If anyone follows you after making an ATM transaction, go
immediately into a crowded, well-lit area and call the police.
Back to Top
|
