 Protect yourself |
Your Security
Laconia Savings Bank takes your security seriously and trusts that you do as well! The following information is being provided to assist you in keeping your electronic transactions — both with Laconia Savings Bank and with other Internet sites — safe and secure.
Laconia Savings Bank Will (and Won’t)…
· We will not send you any e-mail asking you for account or personal information.
· We will ask anyone calling in using your name to provide unique information (that only you should know) that can confirm your identity.
· We will not send you e-mail that contains account or personal information about you.
· We may send you reminder e-mails indicating that information specifically for you is available on our secure web site (and inviting you to log-on and view it)
· We will, or one of our trusted third party service providers will, from time to time communicate with you through e-mail. These e-mails may contain embedded links to make it convenient for you to move from the e-mail to a particular webpage. Examples of programs that we utilize third party service provider for include our Debit Rewards program - PeakRewards and our online Bill Pay service.It is very important that we reinforce that Laconia Savings Bank will never initiate a communication that will ask for any personal information online or by email.
If you ever question the legitimacy of an email communication from Laconia Savings Bank or any embedded link which it may contain, please contact us immediately at 1-800-832-0912.
We Highly Recommend…
· That our customers use “strong passwords” for online banking. These passwords assist in ensuring the protection of your online information. Strong passwords incorporate letters (upper & lower case), numbers, and special characters - in combination, to make passwords more difficult to compromise. We also recommend that you change your password regularly as prudent security measure.
· That our customers regularly update their personal computer with critical updates available from your browser and operating system manufacturer. (For Windows systems go to http://windowsupdate.microsoft.com)
· That our customers use a personal firewall device or software on their system (especially if you are using cable or other high-speed connectivity).
· That our customers regularly use and update anti-virus and anti-spyware applications on their computer.
· If our customers use a wireless network, hire a qualified technician to set up and configure your wireless system with security in mind using the latest wireless protocols and features.
· That our customers use anti-phishing resources together with your browser to help you verify that you are actually visiting the web site you think you are (Netcraft and McAfee both make such ‘toolbars’).
· That our customers should learn to contact your security vendor’s toll-free support number if you receive e-mail, phone calls, or mailed offers which make you suspicious.
· That our customers take advantage of the free periodic copies of your personal credit reports offered by credit agencies and review your accounts for suspicious or fraudulent activity. Visit https://www.annualcreditreport.com/ for more information.
Things you should avoid…
· Don’t have your browser automatically save your password for future use. Although this is convenient, it may allow the disclosure of this information without your knowledge.
· Do not access sensitive applications (corporate e-mail, online banking, etc.) from public computers in libraries, hotels, or airport kiosks. These systems may already be compromised or may retain personal information in memory where a subsequent user could gain access to it.
· If you have any doubt an email or web site may be suspicious, delete it with out reading it, clicking on it or visiting the site.
· Always shred personal information you may print out from your computer before placing it in your trash.
Other Helpful Resources…
· The Federal Trade Commission is one of the best starting points to learn about identity theft and what you can do to avoid becoming a victim (http://www.consumer.gov/idtheft/)
· Sites such as http://www.staysafeonline.info/ can provide many additional tips for safer online computing.
· The Internet is also the source of much mis-information and rather than passing along urgent emails about new virus outbreaks or incredible stories you should check the veracity of the message. Some sites to help with such ‘fact-checking’ include:
Virus Myths: http://www.vmyths.com/
Urban Legends: http://urbanlegends.about.com/
Online Banking Security
Laconia Savings Bank realizes that security is an important consideration that you have regarding conducting banking transactions on the Internet. Security is critical to us as well and that is why Laconia Savings Bank has devoted significant resources to safeguarding personal and financial information used in connection with Online Banking.Before access is granted to any account information, each registered Online Banking customer is authenticated through the use of a password. You will personally select your own password that will be known only to yourself. Without this password, no one else will be able to access your account information or conduct any financial transactions.
Our systems are monitored seven days a week, twenty-four hours a day to detect any attempted intrusion and to ensure all of the protection methods in place are working properly.
Our systems are protected by what is commonly referred to as a security "firewall". The firewall is comprised of a combination of sophisticated computer hardware and software components that sit between the bank's systems and the Internet and that serve as a network security "traffic cop". Any computer messages to or from the bank's Internet system must go through the firewall and, as they do so, are screened to make sure they are legitimate. Those that are not legitimate are refused and never reach the bank's information systems.
To make sure that the communication between your computer and ours is secure during an Online Banking session, the highest level of "encryption" available for Internet browsers is utilized. This level of encryption is referred to as 128-bit SSL encryption. All of the messages that are sent from your computer to ours are "scrambled" using an encryption key and then "descrambled" when received by us using the same key. Each time you log on a new "key" is automatically created, so if anyone were trying to overcome the encryption protection, they would have to start over every time you log on.
USA Patriot Act - Customer Identification Program
The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.Your cooperation is needed when you open a new account or request a loan.
Some of the items that we must ask you for include your name, legal and mailing addresses, date of birth and tax identification number. You will also be required to provide one or more forms of identification.
This information will allow us to establish and confirm your identity.
