Security Statement


Our Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the online banking, a multifactor authentication system program, a Secure Socket's Layer (SSL) protocol for 128-bit data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the online banking server the user must complete the following steps:

  • First, you'll enter your Login ID and click the Submit button. 
  • If we recognize the computer you are using, your PassMark™ image and Phrase will be presented on the next page. Once you confirm your PassMark image and Phrase, you'll know that you can safely enter your Password. If you don't recognize your PassMark image and Phrase, don't enter your Password.
  • If we do not recognize the computer you are using, we will ask you a Challenge Question to confirm your identity and determine if you would like us to recognize this computer in the future. If you correctly answer your Challenge Question, you can proceed with login. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Security at Login
The Login ID is entered on our home page, while this page is not https, be assured that the Login ID and Password that you enter is 128-bit encrypted when you submit it. Once you click on “Submit,” the data is encrypted using our digital certificate with SSL technology prior to transmission to the online banking server.

The padlock or key icon on your browser, indicating a secure connection, should appear locked or connected as you submit your Login information. If you have any questions or concerns, please contact us.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a secure server by VeriSign, data traveling between the user and the server is 128-bit encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then allows communication only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.