Q: What can I do with Internet Banking?
A: With Internet Banking, you have control over nearly every aspect of managing you accounts. You can:
Q: What do I need to enroll for Internet Banking?
A: You must have an account with us, and you must have a secure Internet connection. Our Internet Banking system currently is best viewed with the latest versions of Internet Explorer and Netscape. Internet Explorer is recommended. Your browser must also be SSL compliant with 128 bit encryption.
Q: How do I know if my browser is secure enough to use the Internet Banking system?
A: Our Internet Banking system currently is best viewed with the latest versions of Internet Explorer and Netscape. Internet Explorer is recommended. Your browser must also be SSL compliant with 128 bit encryption.
Q: Can I view transactions in all accounts through Internet Banking? How far back?
A: Our Internet Banking system stores up-to-date history on all of your authorized Internet Banking accounts. The amount of history available may vary depending on the type of account.
Q: What customer service options are available through Internet Banking?
A: As always, you can telephone us during business hours for questions regarding your accounts. However, you can send us secure encrypted emails from within your Internet Banking session with any questions you may have regarding your accounts 24 hours a day, seven days a week. Incoming messages will alert you to important events and news concerning your accounts.
Q: What type of security do you offer?
A: Our Internet Banking system uses many lines of defense to protect your account information. From authentication, SSL, exclusive encryption software, high-end firewalls, and automatic sign-off, you're information is always safe -- it's like having a bank vault online.
Q: What is encryption and how does it work?
A: Encryption turns meaningful words and phrases into coded language. Everything that you do during your Internet Banking session becomes a string of unrecognizable numbers before entering the Internet. Your account information will read as gibberish to everyone but you and our financial institution. All of your Internet Banking sessions will be encrypted. We employ the strongest forms of cryptography that are commercially available for use over the Internet.
Q: What is 128-bit encryption?
A: A 128-bit encryption means there are 2128 possible keys that could fit into the lock that holds your account information, but only one that works for each Internet Banking session. (Try that on your calculator!) This level of encryption is so powerful that the U.S. government lists this encryption as a federal munition - meaning browsers that offer it can only be used and downloaded by citizens and permanent resident of the United States and Canada.
Q: What does SSL mean?
A: SSL stands for "Secure Socket Layer." This technology allows users to establish sessions with secure Internet sites - meaning they have minimal risk of external violation. Once inside the Internet Banking site, our use of SSL technology keeps you and your account information secure.
Q: What types of security measures are taken to prevent sensitive information from being intercepted online?
A: From the moment account information leaves your computer to the time it enters the Internet Banking system, we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.
Q: What can I do to protect my account information while I'm online?
A: We take numerous steps to keep your account information secure. However, you must take precautions as well.
Q: How do I know if my session is encrypted?
A: You can determine if you are in a secure session by looking for the following icons in the status bar of your respective browser:
|Netscape Navigator 1.1X or later*|
|Netscape Communicator 4.0*|
|Microsoft Internet Explorer (any version)*|
Q: What happens if an unauthorized person uses my access ID and passcode?
A: You must notify us immediately if you believe your access ID or passcode has been compromised or if an unauthorized transaction has occurred. If you tell us within two banking days after you learn of a loss or theft, you can lose no more than $50.00.