Protecting your Online Banking account information is as important to us as it is to you. That is why the following controls have been put into place.
Online Banking access requires you to use a browser that uses SSL protocol. SSL stands for Secure Socket Layer, which lets one computer, verify another’s identity to allow secure connections.
128 Bit Encryption
To ensure the highest level of security, we require that all users have browsers that support 128 bit encryption. We use the latest encoding technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in code, which can be decoded later with the right “key.” When you request information about your accounts, the request is sent encrypted to UNION Savings BANK. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it.
A Firewall is a specially programmed computer that connects a local network to the Internet and, for security reasons, lets only certain kinds of messages in and out.
Password Security System
To keep unauthorized individuals from accessing your account by guessing your password, we have instituted a PIN security system. If your PIN is entered incorrectly three consecutive times, the user is “locked out” of the system. You must contact the bank for your account to be reset and the system to be unlocked.
If you are logged on to Online Banking but do not perform any activity for 10 minutes, you will not be able to proceed until you “re-log” on to the system.
Account Number Masking
We mask all account numbers so that only a small portion of the numbers can be viewed over the Internet.
UNION Savings BANK does not solicit information (social security number, account numbers, credit card numbers, passwords, etc.) by means of email. If you receive an email requesting confidential information from someone claiming to represent UNION Savings BANK, do not respond to the email. Please call us at 815-235-0800 to report any solicitation of this kind that you receive.
Keeping Your Account Information Secure
While Online Banking strives to maintain the highest level of security, your account privacy depends largely on you. Here are several things you can do to keep your account information secure.
- Don’t reveal your Access ID or Password to anyone else. Your Access ID and Password are designed to protect your banking information, but they will only work if you keep them to yourself.
- Avoid selecting codes based on personal information or dictionary words.
- Avoid keeping written records of your codes.
- Keep your password number confidential and change it frequently to ensure confidentiality.
- Don’t walk away from your computer if you are in the middle of an online banking session.
- Once you have finished your online banking session, log off the application and then close your browser before visiting other Internet sites.
If you notice any suspicious or unusual activity related to any of your accounts, contact customer service immediately by calling 815-235-0800.