What are we doing to provide Online Banking security?
Firewalls & Routers
We have implemented a system of firewalls forming a barrier between the bank's internal systems and the Internet. All incoming customer information and requests are routed to the firewall, which verifies the source and destination of each piece of information. The firewall modifies the information before delivering it to the bank's internal systems. All internal information is protected, keeping the structure of our network secure. We are able to monitor all activity within Online Banking, including logins, logoffs and access violations. This allows for quick identification of any suspicious activity.
The incorporation of Multi-Factor Authentication into the NetTeller online banking product creates the ability for North Cascades Bank to deploy Watermark Technology, Behavioral and Device Tracking, and an Out of Ban solution. Users may experience several different detection devices. Challenge/response questions will appear due to a variation in session usage. When the challenge questions first appears, users will be required to select three appropriate questions and provide personal answers to those questions. Upon signing into the system, users are required to select an image that will appear after their user name was entered. This ensures to the user that they have been authenticated to North Cascades Bank's Online banking site.
Secure Data Storage and Encryption
Confidential information or highly sensitive data is stored securely and protected with stringent access controls. The following are two common ways to secure sensitive data. Both methods are incorporated into the bank's system:
1.) When your information is traveling over the Internet, it is encrypted. Encryption technology disguises information to hide its meaning and enhances confidentiality by restricting information access to only intended users. Encryption-based methods can also be used to verify message authenticity and accuracy. Information is encrypted and decrypted with a cipher and key using special computer hardware or software. Secrecy of the key and complexity of the cipher are crucial for the success of encryption controls. When you initiate an Online Banking session with our bank, our web server and your browser will communicate using the Secured Socket Layer (SSL) protocol and 128-bit encryption keys. (Bank customers must use a version 4.0 or higher browser that supports Secured Socket Layer for maximum protection.) This means it would be virtually impossible for even a "super computer" to obtain messages and information coded with this technology.
2.) Firewalls are physical devices, software programs, or both enhancing security by monitoring and limiting access to computer facilities. They create a security barrier between two or more networks to protect the bank's computer system from unauthorized entry. Filtering routers are incorporated into the firewall system to screen data traffic and direct messages to certain locations.
Federal law provides certain rights to consumers using electronic funds transfer services. See the bank's Regulation E Disclosure (Electronic Fund Transfers) to understand your rights and liabilities.
What can I do to increase security?
You can easily provide additional security for your Online Banking transactions. Here are some important suggestions:
1.) Access Online Banking from a version 7.0 or higher browser for maximum security of your transactions.
2.) Keep your Online Banking password secret. Make sure no one is watching you as you enter your password.
3.) Change your Online Banking password frequently.
4.) If you leave your computer unattended while signed-on, your account is at risk. Remember to exit Online Banking before leaving your computer. For your protection, Online Banking has an auto-logoff set for 10 minutes. After the designated auto-logoff time has passed without activity on your Online Banking, you will be signed off.
5.) Take all possible precautions to keep your computer clean and free from viruses that could be used to capture password keystrokes or affect your hard drive.
TRUSTEER'S RAPPORT ONLINE BANKING PROTECTION SOFTWARE
Rapport is a security software application that provides online transaction protection and protection from online identity theft for consumers. You can use Rapport to protect your web browser sessions with any website that contains private or personal information.
Examples include: - Online bank accounts - Mutual fund accounts - Online brokerage accounts - Email (such as Hotmail, Yahoo! Mail, and Gmail) - Social networking sites (such as Facebook, Myspace, Orkut, and Linkedin) - Insurance applications - Personal medical information - Online merchants (such as eBay, Amazon, Walmart.com, and Target.com)
Rapport is entirely transparent and does not require you to change the way you work or sign into these websites. It does not require any configuration or maintenance; you simply install and browse safely. Rapport further protects specific identities and sessions. Click here for further information and to download.
There are items outside of our control that are your responsibility:
1.) Customer input errors
2.) Customer negligent handling or sharing of Online Banking Account numbers, Passwords / Personal Identification Numbers (PIN) leading to unauthorized access to accounts, and/or unreported theft to Passwords / PIN
3.) Customer's failure to log off the Online Banking session before properly exiting the system and/or leaving the computer unattended
4.) Failure to report known incidents of Password / PIN theft and/or unauthorized Online account access within 2 business days of discovery
How can I detect possible unauthorized transactions?
The best way to stay informed about your account and ensure your records match the bank's is to view and reconcile transactions on a timely basis. Be aware of the activity in your account and contact us immediately to report any discrepancies.
The statement displayed through Online banking is for information purposes only, and is not equivalent at all times to the official statement information on records. The official bank statement record shall prevail if there is any conflict with information reflected on your Online statement.
For your protection, you need to report any discrepancy as soon as it is discovered.
How do I update my browser?
If you are not using a version 7.0 or higher, please contact your browser vendor for upgrade information and technical assistance.
E-Mail is not secure
Online Banking transactions are encrypted, but e-mail is not. Customers are encouraged not to send sensitive information over an e-mail system. If you have any questions about our Security Statement, please contact your local branch, call Toll Free 1.800.603.9342, or send us an e-mail at info@NorthCascadesBank.com.