Online Security Commitment
Safe Online Banking Tips
When you use the Internet to visit us, whether it’s to learn about rates, to review your account or to transact other business, you are entering a secure area. Here are just a few of the safeguards we have in place to help ensure your personal security when visiting us online:
1) Your Password
We’ll ask you to develop a secret password that only you will know. Only then will you be able to review personal information about your account. It’s important to safeguard this password because it is the key to accessing your financial information. Don’t write it down, don’t tape it to your computer monitor and do not file it in a rolodex. We also suggest you change it periodically.
2) Our Privacy Policies
Our entire staff is dedicated to protecting the personal privacy of you, our customer. We have stringent privacy policies in place, and have instituted bank-wide measures to assure that they are strictly observed.
3) SSL Encryption Software
"SSL encryption software" makes it possible to scramble a message between two parties (you and your bank), and this "scrambling" protects your account information so it can’t be intercepted and read by a third party. You know you’re protected with this technology when a website has a "lock graphic" in the lower right-hand corner of the screen. You should never enter sensitive information on any website where this lock graphic is not present.
4) Always disconnect properly
Always log off properly after you have completed your online business. By choosing the "Log Off" or "Sign Off" option on the top right of the screens, you will ensure the protection of your financial information.
5) SPECIAL ADVISORY:
Fraudulent E-mail Reminder: Grand Bank does not contact customers via e-mail to verify or request security information. While we will send you informational e-mails from time to time, these e-mails will never request or verify personal or account information, the e-mails will never request that you take action, and we never ask you to click on a link in any e-mail we send.
A common scheme used for identify theft is called either "spoofing" or "phishing” where emails are sent illegally using a financial institution’s name, logo, Web site design and/or graphics. The purpose of these fraudulent e-mails is to get you to divulge personal information in order to commit identity theft or to take money from your accounts. In most cases, these fraudulent e-mails either request the recipient to send personal information, (such as a Social Security and account numbers) back to the sender via e-mail; in other cases, they include a link to a Web site, which will then request the visitor to enter their private information.
If you have received such an e-mail you believe to be fraudulent, please forward it to webinfo@grandbankfsb.com. If you have replied to a suspicious e-mail and provided private information about your Grand Bank account, please contact us immediately at (601) 705-2407 or (866) 343-5976.
Multi-Factor Authentication
Your online security has always been a top priority. We have in place extra safeguards in our Internet Banking environment to help keep your information even more secure, while ensuring that Internet Banking remains convenient and easy to use.
As you know, when signing into online banking, we utilize multi-factor authentication as a strong fraud deterrent and help confirm your identity. This process requires you simply pick an image, write a brief phrase and select three challenge questions.
These elements work together to:
a. Protect your accounts and identity. If someone tries to access your account from an unrecognized computer they must answer one of your challenge questions correctly. Otherwise they will be blocked from entering your account.
b. Confirm our website’s validity. Once you enter your login ID and click the submit button, you will see your secret image and phrase. If they don’t appear you could be at a fraudulent website.
You may also visit the HELP section available once you are logged into your Online Banking account, for additional information. If you have any questions regarding multi-factor authentication, please contact Sherry Smith at (601) 705-2407 or (866) 343-5976 or email: sherry.smith@grandbankfsb.com.
Customer Vigilance: The First Line of Defense:
Grand Bank is committed to protecting the privacy and security of our customer’s personal banking information. We take this very seriously by making sure your account information is not shared with other customers or with any other companies. There are also several ways you can help protect your banking information, especially if you use online banking:
· Keep your computer safer by installing and updating regularly your anti-virus software,
anti-malware programs and firewalls.
· Make sure requests for personal, financial or account information are legitimate,
particularly if they are made in an urgent manner.
· Never share account ID number or passwords with anyone, and do not automatically save
these numbers in your computer.
· Err on the side of caution. If you have any doubts, do not browse or enter any information
on a questionable website or reply to a questionable email without double checking. It is
always worth it to make sure through us at (601) 705-2407 or email:
webinfo@grandbankfsb.com.
You can also learn more about online safety and security at these websites:
· www.onguardonline.gov
· www.idtheft.gov
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