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Security of Confidential Information:
The security of your banking transaction(s) is important to us and it
depends on a relationship between you, the customer and us, American
Heritage Bank. We ensure protection by putting several security measures in
place to keep unauthorized users from accessing any of your confidential
information through your online activity, but we need your assistance in
maintaining the security of all transaction(s).
What We Will Do: We will maintain state-of-the-art technology
measures to ensure your personal information and confidential transactions
remain safe, secure, and private. We protect your online activity through a
series of account access controls, encryption, screening and filtering
routers and firewalls.
We maintain controls for the way you may access your account(s). These
controls are maintained through settings on the host software and
restrictions may be placed on account access and transfer rights. Other
controls in place pertain to password protection. Only customers who have
been enabled (signed-up) for TeleWeb (our Internet Banking Provider) will be
allowed access to the site. You will be able to access your account with a
valid login consisting of your customer ID and an alphanumeric password
(consisting of upper and lower case letters and numbers) of a minimum of 6
but not to exceed 15 characters. The password may not be the same as the
previous 4 passwords and may not contain any spaces. It is highly recommended not to use
passwords that could easily be guessed, such as names, pets, addresses, etc.
or use words that can be found in any dictionary. As an added security feature,
the password will be entered using a keypad (on the screen) and your mouse
to click on the numbers or letters needed to access your account. The keypad
will have a designated picture and phrase preset by AudioTel, if it does not
appear on the keypad do not enter your password or any other confidential
information because you may be at a fictitious Web site that wants to steal
your information. If this should happen when you login to the system,
contact the bank as soon as you can.
We will limit the number of times you can enter your password incorrectly.
After three (3) simultaneous invalid attempts, you will be disabled. Once
disabled, only bank personnel may re-set your access rights. We will monitor
and record “bad-login” attempts to detect if someone may be trying to guess
your password and access your account information. To assist us with the
protection of your confidential information, contact us during normal
business hours if you cannot remember your password. We will be happy to
assist you in resetting it.
You authorize and authenticate your online banking transaction by entering
your password, which is encrypted when it is transmitted to us. Encryption
is one of the basic tools used for Internet security and it means we will
scramble the data entered into the system. You will need to use a browser
that is 128-bit secure, JavaScript enabled to log on to your account and
perform transactions. When you log on to Internet banking, your browser
automatically secures the session using Secure Sockets Layer (SSL). With SSL,
the data that travels between the bank and the customer is encrypted so
someone else cannot read it. You can determine that encryption is being used
and your information is secure if a padlock icon on your browser is locked
and you can see the VeriSign Secured icon. If the padlock is unlocked,
encryption is not being used and makes your information vulnerable for
access by outsiders.
The screening and filtering routers determine who has access to designated
Internet banking components by verifying the source and designation of each
transmission and determines whether or not to let the transmission pass. The
firewall will track each request and verify the source and designation. When
you submit your request for a transaction, the information (your user ID and
password) is compared to what you provided to us at the time you signed up
for Internet banking. This information is then stored in our secure data
center for future references. If the firewall does not recognize your
information when it does the comparison, it will reject the request as
unauthorized traffic.
Additional security that is provided to you, the customer, is through the
use of “cookies”. The first time you login, the system puts an encrypted,
secure “cookie” on the computer you are using. The “cookie” contains a
unique randomly generated number, which when you login at a later date
identifies the system as your computer by your IP address and that it is
okay to ask for your password. If you try to access your account from a
different computer, you will be asked a series of challenge questions to
authenticate your identity before you can enter your password. When you
login from the computer you originally used, you will again be asked a
series of challenge questions to authenticate your identity. “Cookies”
identify the last IP address used.
Your Responsibility: You are responsible for keeping your online
banking information confidential. Your password provides entry through the
firewall so do not share your password or account numbers, personal
identification number (PIN) and other account data with anyone, including
other companies or service providers. If you feel your password has been
breached, change it immediately online. We recommend that you change your
password on a periodic basis and never use passwords that are easy to guess
such as birth dates, first names, pet names, addresses, phone numbers, etc.
The following recommended security measures are to help safeguard your
personal information:
- We recommend that you memorize your
password and not write it down. If you need to write it down for future
use, store it in a safe place that is only accessible to you.
- Do not leave your computer unattended
while transacting on-line banking activity. Sign off properly before
leaving your computer or visiting other sites on the Internet. If anyone
else is likely to use your computer, clear your browser cache or close
it.
- Keep others from viewing (over your
shoulder) your online banking information when you sign on to the
system; they can memorize your information and use it to access your
account.
- When visiting the website, type the
address directly into the browser rather than following a link found
from a search engine (such as Google, MSN, Dog Pile, etc). This will
help protect you from “logging on” to copycat Web sites that intend to
steal and use your personal information.
- Notify us about lost or stolen
information (e.g. someone broke into your house; someone went through
important papers) or if you suspect fraudulent activity on your
account(s) (e.g. your computer has been used by someone other than
yourself and you are the only one who is supposed to have access)
You are also responsible for ensuring the information for your
transactions are entered into the system correctly. Except as otherwise
provided by law, we are not responsible for or will we cover losses due
to input errors; misuse of the services; unauthorized access to your
account(s) resulting from negligence (such as sharing your password,
writing down your password, or entering your password when others may
see you); leaving your computer unattended while transacting online
banking; and failure to report unauthorized access to your account
within two (2) business days from the date it became known to you.
Electronic Mail: You can use electronic mail (e-mail) to contact
us about inquires, maintenance and/or problems with the system. We will
use reasonable efforts to respond by the next business day. These
responses are considered received whether the customer has logged on to
the system and read them or not. Messages sent by e-mail are not
considered secure methods of communication. Third parties could
intercept them; they could be sent to the wrong address, or the
appropriate department at the bank may not receive them. We recommend
you do not send e-mails that require immediate attention or any that
contain confidential information. Be aware that a “receipt” of
acknowledgement on an e-mail message means only that the message has
routed into the Internet, not that the message has been received by
American Heritage Bank. Urgent or confidential matters should be
addressed in person or by phoning us at (575) 762-2800 for Clovis and
(575) 253-4500 for Melrose. Authorizations that require original
signatures should be provided via postal mail or in person.
The bank will not request any personal or financial information by
e-mail. If you receive an e-mail from American Heritage Bank requesting
confidential information, DO NOT RESPOND. Some scammers
send e-mails that look legitimate but all they want to do is steal your
information if they can. We will NOT, at any time, call
and ask for your login password. If anyone calls and request this
information, contact the bank immediately.
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