Internet Security and Privacy Practices
The Community Resource Bank is committed to providing a secure Internet environment. Keeping your financial and personal information secure and confidential is one of our most important responsibilities. The following measures are used to protect our systems and your information:
- Our website offers up to 256-bit encryption using Symantec Secure Site with Extended Validation (the green address bar), which protects information sent across the Internet. We strongly advise using a browser that supports this level of security. Our website may be viewed with virtually any browser; however, a browser with 128-bit encryption is required to use Personal or Business Online Banking.
- Personal and Business Online Banking uses Secure Socket Layer (SSL) encryption, a protocol for managing online message transmission. SSL protects the information sent between Personal or Business Online Banking and your computer.
- Please be aware that Internet e-mail is generally not secure. E-mail sent to us via our public domain is not encrypted and may not be secure. We do not recommend including confidential information in e-mails sent to us.
- We use firewalls, intrusion detection and virus protection systems to protect our systems from unauthorized access by individuals or networks.
Key Features of Symantec Secure Site with Extended Validation
Key Benefits of Symantec Secure Site with Extended Validation
- SSL and More in a Single Solution: Symantec Secure Site with EV includes an SSL certificate, daily website malware scanning and vulnerability assessment to secure your site and help defend against attacks. The green address bar, Norton Secured Seal and Seal-in-Search technology assure your customers that your site is safe from search to browse to buy.
- Customers Gain Confidence with the Green Address Bar: Online shoppers recognize the green address bar as an easy and reliable way to verify the site identity and security. Only SSL certificates with EV trigger web browsers to display your organization’s name in a green address bar. Online shoppers are more likely to enter their credit card and/or other confidential financial information into a website with the SSL EV green bar.
- Customers Worldwide Know and Trust the Norton Secured Seal: The Norton Secured Seal, the most trusted mark on the Internet, is viewed over half a billion times per day on websites in 170 countries. Symantec Seal-in-Search displays the Norton Secured Seal next to your link on browsers enabled with a free plug-in as well as on partner shopping sites and product review pages.
- World Class Customer Support and Online Management: 24/7 customer support and the Symantec Trust Center give you better visibility and control of your SSL certificates and services. With a single sign-in, you can renew, upgrade, buy, activate services or access a backup. Express Renewal and Automatic Renewal Service eliminates CSR requirements, installs and automates payment for up to 4 years.
Best Practices for Online Banking
- Use a dedicated PC or laptop for all online banking activity. Do not permit or allow any other kind of Internet activity to take place on that machine.
- Avoid setting up Super Users who can electronically control the online access of others in the organization.
- Use dual control methodology for initiating and approving all online payments.
- Incorporate multi-factor authentication (e.g., tokens) into the login process for every user.
- Restrict the use of ACH and wire templates to “repetitive” or “semi-repetitive” whenever possible.
- Review online banking activity daily and immediately report any suspicious transactions to your bank.
Other Best Practices to Help Maintain Financial Security
- Reconcile your accounts frequently (daily is optimal).
- Secure bank statements when not in use.
- Use safety features on your check stock and store blank checks in a secure place when not in use.
- Secure cancelled check stock, including images of cancelled checks, and destroy remotely deposited checks within 14 days of deposit.
- Purchase your check stock only from known vendors.
Browsing Our Site
Links to Other Sites
We may provide links to non-Community Resource Bank companies such as Harland Clarke, our preferred check printing company. If you choose to link to sites not controlled by The Community Resource Bank, we are not responsible for the privacy or security of these sites. We encourage you to review the privacy policies of such sites.
Aggregation sites are Internet sites that permit you to consolidate account information from various sources for viewing on one site. In most cases, the aggregation provider usually requests access to your personal information. You should ensure that the aggregator has the appropriate policies in place to protect the privacy and security of any information you provide or to which they are gaining access.
If you provide information about your accounts with The Community Resource Bank to an aggregator company, all transactions initiated by the aggregation site via the access information given will be considered authorized, whether or not you were aware of a specific transaction. If you decide to revoke the authority you have given an aggregator company, we recommend that you change your Community Resource Bank password to ensure that the aggregator company cannot continue to access your account.
Free Credit Report
It is very important to always remain aware of the potential for identity theft. The Fair & Accurate Credit Transactions Act (FACT Act) mandates that the three major credit reporting agencies make your personal credit report available to you once a year at no cost. Your free credit report may be retrieved at the following website:
Please be aware that your “basic” credit report is available to you at no cost. If you want to know your actual “credit score” or wish to sign up for a credit monitoring service, the credit bureau that you select will charge a fee for the additional service. The basic credit report itself is very thorough. Upon review, if you find anything that appears incorrect in your personal credit report, the website provides procedures for reporting the error to the credit bureaus.
Click here to learn more about online security