Please remember that at Clinton Savings Bank your privacy and security are our highest priority.
Internet Security Policy
Online security is a real concern in today's world. Our online banking services utilize 128 bit encryption, which assists in preventing unauthorized access. When you sign up for the service, you will be provided with a user identification number and a temporary password, which you should change to a secure password known only to you. As an added security measure we recommend that you change your password every 90 days, however, you can change your password as often as you wish. In addition, repeated failed attempts will lock the service, and you must contact CSB to reactivate the service.
Please remember that at Clinton Savings Bank your privacy and security are our highest priority and as such we strongly advise that you do not include any confidential, non-public, or sensitive information, such as social security or account numbers - over the phone or on general email boxes.
Reminder: Please remember to be aware of scams whether on the phone, through text or email. It is strongly advised that you never respond with any personal and confidential information such as your social security or account numbers of any sort. If you should ever be contacted by some means asking for personal banking information we advise you to call us back informing us of the incident. At Clinton Savings Bank we take your privacy and security seriously and will never ask for your personal information via a call, email or text.
Business Online Banking Security
Incidents of online fraud are on the rise in number and audacity. Clinton Savings Bank strongly suggests that best industry practices be employed to mitigate the risks associated with online fraud. There are strains of malicious software (malware) being introduced onto a computer system without the owner's knowledge or consent that may be undetected by anti-virus software. Some malicious software has the ability to lay dormant on a victim's computer until the victim accesses a banking website. Fraudsters intentionally target Small Businesses because they often lack proper defensive controls. Clinton Savings Bank strongly suggests that sound best industry practices be employed to mitigate the risks associated with online fraud. Businesses are particularly encouraged to review the following recommended best practices for more ways to protect against online fraud:
- Use the most robust anti-virus and security software available and make sure it is active and automatically updated by the vendor on all computer workstations and laptops that are used to conduct online banking business
- Educate your employees at least annually
- Monitor account activity often
- Review online activity by user and IP address
- Reconcile your accounts in a timely manner
- NEVER share company/user names and passwords or PINs (Personal Identification Number)
- Change passwords regularly - at a minimum every 90 days
- Use strong passwords that include numbers, symbols and/or capital letters
- Do not use the same password on multiple websites
- Avoid saving passwords to a computer
- NEVER access the Bank's website for online banking from a public computer at a hotel, library, coffee house or other public wireless access point
- Secure your Browser
- Use a Dedicated PC for online banking – no access to email or web surfing
- Utilize Dual Control features for outgoing monetary transactions (ACH & Wires)
- Set Online Alerts if available
- Log out when not in use
- Document your Policy and Procedures with regards to online banking
- Review your Policy and Procedures with your employees at least annually
- Should fraud be detected, have documented procedures in place. Include key contact information and steps to alert appropriate parties
- Consult your Insurance Agent for information regarding Cyber Liability Coverage
- Open a separate account for incoming wires and other instances in which you may need to give out your business account number
Cyber Security Tips
Make sure that you know how to protect yourself against cyber attacks. The more information that you have, the easier it is to identify, stop, and report cyber attacks. Get everything you need to know from a bank that you trust -- and learn how to protect your finances online.
For tips on how to Avoid Identity Theft, Fraud and Scams visit the FDIC CyberSecurity Page.
To get more information on protecting yourself against computer related crimes click here.
Protect your computer
Install software that protects against malware, or malicious software, which can access a computer system without your consent to steal passwords or account numbers. Also, use a firewall program to prevent unauthorized access to your PC. While protection options vary, make sure the settings allow for automatic updates.
Use the strongest method available to log into financial accounts.
Use the strongest authentication offered, especially for high-risk transactions. Use passwords that are difficult to guess and keep them secret. Create "strong" user IDs and passwords for your computers, mobile devices, and online accounts by using combinations of upper- and lower-case letters, numbers, and symbols that are hard to guess and then change them regularly. Although using the same password or PIN for several accounts can be tempting, doing so means a criminal who obtains one password or PIN can log in to other accounts.
Understand Internet Safety Features
You can have greater confidence that a website is authentic and it encrypts (scrambles) your information during transmission if the web address starts with "https://." Also, ensure that you are logged out of financial accounts when you complete your transactions or walk away from the computer. To learn about additional safety steps, review your web browser's user instructions.
Be suspicious of unsolicited emails asking you to click on a link, download an attachment, or provide account information.
It's easy for cyber criminals to copy the logo of a reputable company or organization into a phishing email. When responding to a simple request, you may be installing malware. Your safest strategy is to ignore unsolicited requests, no matter how legitimate or enticing they appear.
Be careful where and how you connect to the internet.
Only access the internet for banking or for other activities that involve personal information using your own laptop or mobile device through a known, trusted, and secure connection. A public computer, such as at a hotel business center or public library, and free Wi-Fi networks are not necessarily secure. It can be relatively easy for cyber criminals to intercept the internet traffic in these locations.
Be careful when using social networking sites.
Cyber criminals use social networking sites to gather details about individuals, such as their place or date of birth, a pet's name, their mother's maiden name, and other information that can help them figure out passwords - or how to reset them. Don't share your 'page' or access to your information with anyone you don't know and trust. Cyber criminals may pretend to be your 'friend' to convince you to send money or divulge personal information.
Please remember that at Clinton Savings Bank your privacy and security are our highest priority and as such we strongly advise that you do not include any confidential, non-public, or sensitive information, such as social security or account numbers, over the phone or on general email boxes. Clinton Savings Bank will not ask you to verify your personal account information over the phone or via e-mail if they initiated the call. We already have that on file. If you receive a phone call or e-mail asking you to verify such information, do not respond. Instead, contact the Bank directly at 888-744-4272 (4CSB).