What is Western Security Bank doing to provide Online Banking security?
Firewalls & Routers
Western Security Bank has implemented a system of firewalls forming a barrier between Western Security Bank's internal systems and the Internet. All incoming customer information and requests are routed to the firewall, which verifies the source and destination of each piece of information. The firewall modifies the information before delivering it to Western Security Bank's internal systems. All internal information is protected, keeping the structure of our network secure. We are able to monitor all activity within Online Banking, including logins, logoffs and access violations. This allows for quick identification of any suspicious activity.
Secure Data Storage and Encryption
Confidential information or highly sensitive data is stored securely and protected with stringent access controls. The following are two common ways to secure sensitive data. Both methods are incorporated into our Western Security Bank system:
1.) When your information is traveling over the Internet, it is encrypted. Encryption technology disguises information to hide its meaning and enhances confidentiality by restricting information access to only intended users. Encryption-based methods can also be used to verify message authenticity and accuracy. Information is encrypted and decrypted with a cipher and key using special computer hardware or software. Secrecy of the key and complexity of the cipher are crucial for the success of encryption controls. When you initiate an Online Banking session with Western Security Bank, our web server and your browser will communicate using the TLS 1.0 AES with 256 encryption (High);RSA with 1024 bit exchange. (Western Security Bank customers must use a version 4.0 or higher browser that supports Secured Socket Layer for maximum protection.) This means it would be virtually impossible for even a "super computer" to obtain messages and information coded with this technology.
2.) Firewalls are physical devices, software programs, or both enhancing security by monitoring and limiting access to computer facilities. They create a security barrier between two or more networks to protect Western Security Bank's computer system from unauthorized entry. Filtering routers are incorporated into the firewall system to screen data traffic and direct messages to certain locations.
Federal law provides certain rights to consumers using electronic funds transfer services. See Western Security Bank's Regulation E Disclosure (Electronic Fund Transfers) to understand your rights and liabilities.
What can I do to increase security?
You can easily provide additional security for your Online Banking transactions. Here are some important suggestions:
1.) For maximum security of your transactions, we have listed supported browsers and recommended versions below.
|Microsoft Internet Explorer (IE)||Version 7.0 and Higher||-|
|Firefox||Version 3 and Higher||-|
|Safari||-||Version 1.0 and Higher|
2.) Keep your Online Banking password secret. Make sure no one is watching you as you enter your password.
3.) Change your Online Banking password frequently.
4.) If you leave your computer unattended while signed-on, your account is at risk. Remember to exit Western Security Bank Online Banking before leaving your computer. For your protection, Western Security Bank Online Banking has an auto-logoff set for 10 minutes. After the designated auto-logoff time has passed without activity on your Online Banking, you will be signed off.
5.) Take all possible precautions to keep your computer clean and free from viruses that could be used to capture password keystrokes or affect your hard drive.
There are items outside of our control that are your responsibility:
1.) Customer input errors
2.) Customer negligent handling or sharing of Online Banking Account numbers, Passwords / Personal Identification Numbers (PIN) leading to unauthorized access to accounts, and/or unreported theft of Passwords / PIN
3.) Customer's failure to complete the Online Banking session before properly exiting the system and/or leaving the computer unattended
4.) Failure to report known incidents of Password / PIN theft and/or unauthorized Online account access within 2 business days of discovery
How can I detect possible unauthorized transactions?
The best way to stay informed about your account and ensure your records match Western Security Bank's is to view and reconcile transactions on a timely basis. Be aware of the activity in your account and contact us immediately to report any discrepancies.
The statement displayed through Western Security Bank Online Banking is for information purposes only, and is not equivalent at all times to the official statement information on records. The Western Security Bank official statement record shall prevail if there is any conflict with information reflected on your Western Security Bank Online statement.
For your protection, you need to report any discrepancy as soon as it is discovered.
How do I update my browser?
If you are not using a recommended version or higher, please contact your browser vendor for upgrade information and technical assistance.
E-Mail is not secure
Online Banking transactions are encrypted, but e-mail is not. Customers are encouraged not to send sensitive information over an e-mail system such as: account numbers, social security numbers, passwords, codewords, etc. If you have any questions about our Western Security Bank Security Statement, please contact us at (406) 238.8820 or (800) 815.1444 or send us an email.