Your transactions are safe. Hamilton State Bank works with leading-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:
Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption - the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to 'encrypt' or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. Is your browser secure?
Our computer system does not connect directly to the Internet. It is isolated from the network via a 'firewall.' A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks' internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.
User IDs and passwords are isolated from the Internet by being stored on Hamilton State Bank's computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from eight to twelve characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the 'hacker' from gaining access to our system, thus protecting your accounts.
You will be responsible for maintaining one of the most important security measures: your password. When you receive your Online Banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.
Things you can do
At Hamilton State Bank, we understand that the security of your personal and account information is extremely important to you. In addition to the security controls in place at the bank, there are several steps you, the customer, can take to further protect your information.
- Never click on links in unsolicited emails.
The bank will not request that you change personal or account information by email.
- Don’t give out personal information over the phone, through the mail or over the internet unless you are absolutely sure you know who you are communicating with.
- Shred any documents containing personal or account information prior to throwing them away.
- Keep your personal information in a secure place at home.
- Install anti-virus, firewall and anti-spyware software onto your computer and keep them up to date.
An excellent source for additional information about protecting your information and your identity can be found at the Federal Trade Commission website at www.ftc.gov.
Things to know
Phishing is an attempt to fraudulently acquire sensitive information such as usernames, passwords and account details.
Pretexting is the practice of getting your personal information under false pretenses. Your information is then sold to people who may use it to get credit in your name, to steal your assets, or to investigate or sue you. Pretexting is against the law.
Skimming is the process of stealing your credit / debit card numbers by using a special storage device when processing your card.
Pharming involves the installation of malicious code onto your computer, usually installed by opening an email or email attachment. The software can then direct you to a fake web site resembling your bank or financial institution.