CresCom Bank Security Statement
CresCom Bank goes to great lengths to make sure your money and personal data are secure, using several types of technology to ensure the confidentiality of your transactions. CresCom Bank strongly recommends that you change your password upon first use in order to protect the security and privacy of your financial information. In addition, you should change your password regularly. If you choose not to do so, you accept total responsibility for possible unauthorized or fraudulent use. The federal government also provides significant protection. The same laws protecting consumers in the case of fraudulent credit card usage also protects them in the case of unauthorized online banking activity.
One of the security measures resides in your browser. Internet Explorer Secure Sockets Layer (SSL) protocols provide privacy for data flowing between the browser and CresCom Bank's server. SSL is an open protocol for secure data communication across computer networks. It provides a secure channel for data transmission through encryption, supporting the transfer of digitally signed certificates and ensuring that the data cannot be altered during transmission.
You will be responsible for maintaining one of the most important security measures, your password. When you receive your CresCom Bank Online Access password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. Not even a bank employee knows your password.
Passwords are your electronic signature. Just as you would not give anyone a rubber stamp with your signature on it you should never give your password or Personal Identification Number (PIN) to anyone else for any reason. NEVER BELIEVE ANY ONE WHO CALLS YOU AND SAYS THEY REPRESENT THE BANK OR ANY OTHER INTERNET SERVICE PROVIDER. THESE ORGANIZATIONS DON'T KNOW OR NEED YOUR PASSWORD AND THEIR EMPLOYEES ARE TOLD TO NEVER ASK FOR IT.
You also need to be careful about how you choose a password and/or access code for your Internet identification. To begin with, never use anything that is printed on your checks. You give your checks to many people so you don't want anyone trying to get into the web site for bank information.
Do Not Use Any of the Following:
- Any part of your name or account number
- Any part of your phone number or address
- Any date that would be generally known (e.g., your birthday, a child's birthday, your anniversary, a spouse's birthday, etc.)
- Any name that others would commonly hear (e.g., spouse, significant other, child, parent, brother/sister, current pet, etc.)
- Any word commonly associated with the bank or sounding like a "bank word" (e.g., cash, bank, money, green, coin, dough, etc.)
Things you can consider when developing passwords but never discuss with anyone else as passwords:
- Street lived on as a child
- Best friend as a child
- The name of a favorite toy or pet when you were a child
- The first letters of a poem, song, hymn or verse (ex. JWAB: Jeremiah was a Bull Frog)
- Be creative and expand your list
CresCom Bank recommends that customers remember the following:
- Keep IDs and passwords confidential
- Change your passwords regularly
- Use passwords that include letters and numbers that are not easily discernable
- Avoid opening e-mail attachments sent from someone that you do not know
- Maintain updated virus protection software on your computer
- Exit the bank’s web site when leaving the computer
CresCom Bank’s Internet banking system brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a Veri-Sign-issued Digital ID for the bank’s server, Secure Sockets Layer (SSL) protocol for data encryption, and an intrusion protected firewall to regulate the flow of encrypted data on the server.
For added security, your data passes through a "firewall" which is a computer exclusively designed to keep out unauthorized users. Your information is then scrambled once again to ensure that only authorized CresCom Bank representatives can read it.
For your security, CresCom Bank on-line banking will automatically end your Internet banking session if there is no activity on your PC for 5 minutes.