There is nothing more important to us than ensuring that your transactions are transmitted safely and securely during your Internet banking session, which is why our system employs a complex multi-layered security system. This level of Security is achieved in part by:
Maintaining privacy of the data communicated between you (your browser) and our servers is ensured by using encryption, which is the most effective means to achieve data security. Encryption involves exchanging numbers between your browser and our online banking server. The numbers serve as keys to "unlock" the connection between browser and server, much like numbers on a combination lock. The higher the number of combinations, the less likely it is that an outside party could decipher the key and access sensitive information. This type of encryption is called Secure Socket Layer (SSL) Encryption that not only ensures privacy, but also ensures that no other web site can "impersonate" our web site, nor alter any information sent. You can determine if a browser is in a secure mode by looking for the secured lock symbol at the bottom of your browser window.
The browser encryption level required to access our online banking system is 128-bit encryption. You will be unable to access our online banking functions with a lower encryption level.
Click on "Help" in the toolbar of your Internet browser and click on "About [browser name]". A pop-up window will be displayed. For Internet Explorer, next to "Cipher Strength" you should see "128-bit". For Netscape, the following text should appear: "This version supports high-grade (128-bit) security with RSA Public Key Cryptography". If your browser does not support 128-bit encryption, you will need to upgrade to a browser that does in order to view secure pages on our web site.
It is important to verify that only authorized persons log into online banking. A multifactor authentication process called Online ACCESS Control achieves this. Online ACCESS Control is a security feature that allows us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we do not recognize your computer we will request additional information that is only known to you, to ensure authorized access.
We allow you to enter your password incorrectly a limited number of times; too many incorrect passwords will result in the locking of your online banking account until you call us to reinitialize the account. We monitor and record "bad-login" attempts to detect any suspicious activity (i.e. someone trying to guess your password). You play a crucial role in preventing others from logging on to your account. Never use easy-to-guess passwords. Examples:
Never reveal your password to another person. You should periodically change your password in the User Option screen of online banking.
We provide a number of additional security features in online banking. Online banking will "time-out" after a specific period of inactivity. This prevents curious persons from continuing your online banking session in the event you have left your PC unattended without logging out. You may set the time-out period according to your needs; however, we recommend that you always log out when you are done with online banking.
Our systems security architecture uses industry-standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol, data encryption, perimeter and internal firewalls, screening and filtering routers, intrusion detection, strict authentication, virus protection, as well as application security. Each security component acts as a layer of protection to safeguard sensitive data from unauthorized users thus providing private and secure online banking.
Internet security does not rely on technology alone. Each of us has a responsibility to protect our own systems and ourselves. The following are some key tips on what you can do to protect yourself:
Access National Bank wants to offer you something we hope you never have to use. This email message offers information about what to do if you become a victim of a phishing scam or identity theft.
Phishing, of course, involves the use of replicas of existing Web pages to try to deceive you into entering personal, financial or password data. Access National Bank recommends that you never respond to email messages asking you to verify personal information. But accidents happen, and the following information could be useful if you've been scammed.
If you have given out your credit, debit or ATM card information:
Your maximum liability under federal law for unauthorized use of your credit card is $50 (policies vary). If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use; in general, you may only be liable for a very small amount but always check with your individual card company for their exact policy. Your liability depends on how quickly the loss is reported. You risk unlimited loss by failing to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you.
If you have given out your bank account information:
If you have downloaded a virus or 'Trojan Horse':
Check your other accounts - suspects may have accessed different accounts: eBay account, Pay Pal, your email ISP, online bank accounts, and other e-commerce accounts. If you have given out your personal identification information:
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. If you have given this information to a phisher, you should do the following:
|Major Credit Bureaus:||Identify Theft Resources:|
For victims of Internet fraud, IFCC provides a convenient and easy reporting mechanism that alerts authorities of suspected criminal or civil violations.
Document the names and phone numbers of everyone you speak with regarding the incident. Follow-up your phone calls with letters. Keep copies of all correspondence.
If you see a suspicious-looking email message claiming to be from Access National Bank, please let us know. We continually monitor such reports and act on them promptly. Additionally, also consider contacting the FBI's Internet Fraud Complaint Center at http://www.ic3.gov/.
We suggest reporting "phishing" or "spoofed" emails to the following groups:
You play a crucial role in ensuring that your financial information remains safe and together we can maintain a safe and secure online banking environment. We hope you find this information helpful and we will continue to provide you with convenient, quality online banking services.