ONLINE SECURITY

We understand that the security of your personal and account information is important to you.
We also recognize that our continued success as a financial institution relies on both our ability to offer secure banking services as well as security of any access codes, passwords or PINs secure. To assist us in offering these web-based banking services in a secure manner, we employ a number of measures that allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information as it travels the Internet between your PC and our bank.

Log-In Protection for the End User

Every end-user must privately maintain a combination of a password and Log-In ID. Because the end-user is assigned the original password by the Internet Banking administrator, you will be forced to change your password upon initially logging onto the system, and before any transactions can be requested. This procedure forces you to establish a uniquely private password. In case you forget your password, or if it is ever lost or stolen, the administrator can reset a default password for you once your identity has been confirmed. You will be required to change your password every 180 days as an added security feature.

Three (3) Strikes and You're Out

If an unauthorized person attempts entry into an end-user's account by trying to guess a Log-In ID, our Internet Banking system will disable the password on the third incorrect attempt, thus invalidating the Log-In combination. If you accidentally activate this security feature by incorrectly entering a password three times, you will need to call the bank at (609) 989-9000 to reestablish the password for your account. Note, a common mistake is having the CAPS-LOCK on while keying in a password.

Automatic Log Off

You are further protected by a timeout feature. This feature automatically logs you out of your current financial service session after a 10-minute period of inactivity on our site.

Browser Security

Online Banking requires the use of secure browsers to protect you while you access our online financial services. More specifically, the personal and account information that flows back and forth between your PC and the bank must be encrypted in transit through a secure browser. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. When used between you and the bank, this technology encrypts your personal information as you send it to us. Data remains encrypted until we receive and decrypt it. Likewise, when we send personal or account information to you, this technology encrypts it until it is received by your PC. This is possible through a certified 128-bit secure server provided by VeriSign, ensuring that unauthorized individuals that intercept data are unable to read or decipher it.

E-mail Communications

Please remember that e-mail is not secure against interception, and you should be cautious when sending e-mail with personal information. If your information is very sensitive, or includes personal or confidential information (such as your bank account, charge card or Social Security Number) you may want to contact us through the secure email option located within Internet Banking, or by postal mail or telephone.

Our Server Does Not Connect Directly to the Internet

A "firewall" separates our network from the Internet. All requests to the server are filtered through a router and firewall before they are permitted access to the server. This hardware works in conjunction with the firewall to define and limit access that "outside" computers have to our server. The configuration begins by disallowing ALL traffic and then opens only when necessary to process acceptable data requests, such as a customer account balance inquiry.