Online Banking Security
Bank of Edmonson County’s Commitment to Your Security:
Your safety and security is our “first priority.”
Our network is protected by multiple layers of physical, procedural and technical controls. Our systems continuously monitor activity from unauthorized entry attempts.
When you sign up for online access, we ask you to create your own password, along with a logon ID, to access your accounts. This information is encrypted during transmission and will remain a secret as long as you do not disclose it.
Our system will automatically log you off from Online Banking and Bill Pay after a specified period of inactivity. This reduces the risk of others accessing information from your unattended computer. We recommend that you always sign off (log out) when done banking online.
Secure communications with Strong Encryption
The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your computer / device and our online banking server.
How Encryption Works
- When visiting online banking's sign-on page, your browser establishes a secure session with our server.
- The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys.
- Keys are random numbers chosen for that session and are only known between your computer / device and our server. Once keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server.
- Both sides require the keys because they need to descramble (decrypt) messages received. The SSL protocol assures privacy, but also ensures no other website can "impersonate" your financial institution's website, nor alter information sent.
- To learn whether your browser is in secure mode, look for the secured lock symbol at the bottom of your browser window.
Protect Yourself Online
Be proactive when it comes to Online Security!
As your financial institution, we work hard to protect you from fraud. But you and your computer are the front line of defense. In just a few simple steps, you can help keep your computer-and your finances-safe.
Secure your passwords
A good password should:
- Not be based on personal information that can be easily guessed (your pet's name, birth date, etc.)
- Not be a word that can be found in any dictionary of any language.
- Contain 8 characters, at least 1 number, at least 1 uppercase letter, at least 1 lowercase letter, and password cannot contain leading or trailing blanks.
- Not be the same as any password you use for anything else.
- Always memorize your password and do not write it down. Bank of Edmonson County will prompt changing your passwords every 90 days.
We will not ask for your online ID or password by telephone OR by email!
Secure your computer
There are certain precautions you should take to keep your computer safe from viruses and hackers.
- Keep your operating system and browser up to date.
- Use up-to-date anti-virus and anti-spyware software - and set them to update automatically.
- Use a personal firewall.
- Activate a pop-up blocker.
Keep in mind:
Security software that comes pre-installed on your computer typically works for just a few months unless you pay to extend its usage. Avoid buying software in response to unexpected pop-up messages or ads that claim to have scanned your computer and detected malware. That's a scare tactic scammers use to spread malware.
Be wary of spyware and malware
Spyware is software loaded on your computer without your knowledge. It collects personal information about you and your Internet browsing habits in order to launch pop-up ads or change the configuration of your computer. It can also access your usernames and passwords, slow down the functions of your computer and send information from your computer to a third party without your knowledge or permission.
Generally, spyware is downloaded to your computer from websites you visit, or comes along unannounced when you download a new program or feature. In some cases, the spyware is mentioned in the fine print of a user agreement you're asked to accept for downloading a program.
Clues that you may have spyware on your computer:
- You experience a number of pop-up ads when browsing the Internet
- Your Internet browser takes you to sites you're not attempting to visit
- You experience a sudden and/or repeated change to your Internet homepage
- New toolbars or icons appear
- You experience error messages that seem random, and/or your computer's performance drastically slows down
Check your system regularly for spyware. Several third party vendors provide anti-spyware applications you can download, some free of charge.
Malware is malicious, unwanted software or code that generally is transmitted online. It is often used to enter a computer system without conforming to standard authentication procedures.
Common forms of malware include:
- Adware - software that displays ads in an unexpected and often unwanted fashion
- Backdoor - software that is often installed through a vulnerability in the operating system or through an existing piece of malware
- Bot - A software application that performs automated, unwanted tasks online
- Computer worm - a program that self-replicates and spreads by exploiting vulnerabilities and bugs in operating systems and old applications
- Rootkit - One or more programs designed to hide the presence of other malware from users and anti-virus programs
- Trojan horse - A form of malware that seems to provide a positive function but actually gives criminals access to your computer
- Virus - A program that self-replicates without the user's knowledge or permission.
Clues that you may have malware on your computer:
- Advertising pop ups begin to appear every few seconds
- Extra toolbars appear in your browser and can't be removed
- Your Internet browser takes you to sites you're not attempting to visit
- Unexplained system slow down and/or sudden system crashes
Check your system regularly for malware. Several third party vendors provide anti-malware applications you can download, some free of charge.
Be smart online
Aside from securing you passwords and computer, the most important thing you can do is simply be careful - and use common sense - online.
Here are some good general rules to follow:
- Maintain current software and take advantage of updates
- Never share passwords or passphrases
- Do not click unknown links
- Beware of unknown email and attachments - if you don't know what it is or who it's from, don't open it
- Don't download unknown software off of the Internet
- Don't play along with hoaxes or chain mail
- Log out/lock your computer when you're not using it
- Remove unnecessary programs
- Restrict remote access to your system
- Frequently back up important files
- Treat sensitive data carefully
- Remove data securely
- Use encryption whenever possible
Be smart with your password.
- Choose passwords and PINs that are hard to guess by using a combination of upper and lower case alpha-numeric characters and symbols.
- Avoid using your Social Security number, your mother's maiden name, birth dates, your kids' names or sports teams.
- Change passwords regularly
Security tips for banking online
Computers & Mobile Devices need protection
- Use an anti-virus and anti-spyware software, update frequently.
- Update your computer's operating system when available.
- Use the most recent version of your web browser software.
- Use caution when installing applications/programs.
- Do not leave your laptop, phone or other mobile devices logged on and/or unattended when in public.
- Password protect and/or lock your laptop, phone or other mobile devices when not in use.
- Do not save financial or personal information on your laptop, phone, or mobile device.
Secure Personal Information
- When creating passwords, they should contain upper and lower case alpha-numeric characters and symbols.
- Never share your passwords.
- Delete an email immediately if you do not know the sender
- Do not open email or click on links or attachments, especially those where the file ends in ".exe".
- Do not include personal or sensitive data in, or in response to, an email.
- Watch the activity on your account for any unusual activity
- Always log out of your online and/or mobile banking sessions when you are finished.
- Do not store financial or personal information on your laptop, phone, or mobile device.
Be Cautious when Browsing the Web
- Only allow pop-ups from sites that you authorize.
- Do not give out personal information to blogs, forums and other social networking sites.
- Only make online purchases using secure sites that encrypt your information. To determine if a site encrypts your information look for the locked padlock icon in the browser and "https:" in the address line.
- Never access a website from a link in a suspicious email.
- Access online banking sites by typing the address directly into the browser's address bar.