The security of your online banking transaction depends upon a partnership between you and us.

We have numerous security measures to ensure the confidentiality of your online banking transactions.

You are also responsible for maintaining security.

Your Responsibility

You are responsible for keeping your banking information confidential. This means you are not to share your password, account numbers, personal identification information and other account data with anyone, including any other companies or services providers.

You are responsible for inputting or entering correct information.

You are responsible for notifying us about lost or stolen information or suspected fraudulent activity. Please contact us.

Except as otherwise provided by law, we are not responsible for your errors or negligent use of any services provided by this website and will not be responsible for or cover losses due to:

• misuse of any services;
• input errors;
• unauthorized access to your account(s) resulting from your negligence, such as sharing your password, writing down your password, entering your password when others may see you;
• leaving your computer unattended while transacting on-line banking;
• failure to report unauthorized account access within two business days from the date it became known to you; and
• viruses. Viruses cannot get into your computer unless you let them by downloading programs, opening emails or attachments, or sharing diskettes. There are numerous virus-protection programs available commercially to help you reduce, but not eliminate, this risk.

Your Browser

In order to use our internet banking service, your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet. Online Banking is viewed best with Microsoft Internet Explorer version 5.5 and above, or Netscape version 6.0 and above. Other browsers may work but the display and printing of pages may not be ideal.

Encryption

"Encryption" means we will scramble the data. We encrypt your personal data, including your password, when it is in transit, to prevent third parties from accessing your information.

You can generally determine if encryption is being used if the padlock icon on your browser is locked. If the padlock icon is unlocked, encryption is not being used.

Routers and Firewalls

We protect your account information through a series of routers and firewalls that prevent unauthorized persons from obtaining your account information.

The first component is a router, which determines who has access to designated Internet banking components by verifying the source and destination of each transmission, and determines whether or not to let the transmission pass.

The next component is a firewall which tracks each request, the source of the request, when the request was made, and the destination of each request. The firewall changes the "address" of the request to deliver it to the appropriate site.

These precautions are used to determine whether the request is granted and protects our internal networks from unauthorized access.

Trusted Operating System

The trusted operating system protects customer information by containing privilege and authorization codes to control access. The system also contains audit controls to track requests and navigation in order to identify suspicious activities.

Surveillance

We constantly monitor attempts to break into our security systems to ensure your accounts continue to be secure.

Individual Password

You authorize and authenticate your online banking transaction by entering your password, which is encrypted when it is transmitted to us. Keep your password a secret.