Online Banking Security Measures
Provident State Bank is strongly committed to protecting the security and confidentiality of your nonpublic personal information while using our Online Banking service. We use security features built in our online banking product to help secure our Online Banking service and have listed them below.
- You can only access the Online Banking website with certain browsers that support a high security standard. This standard requires the use of 128-bit data encryption to protect your information as it travels over the internet.
- You must have a valid Online Banking User ID, select an authentication image and pass phrase to log into the system. Your User ID and password needs to be kept confidential and should not be shared with anyone. The authentication image and caption is used to determine if you are accessing the Bank’s Official Online Banking website.
- At the time of enrollment you are prompted to select multiple security questions that are used to validate your computer’s identity. These include such events as accessing Online Banking from a new/different computer and improperly responding to password or similar requests.
- In addition to the security questions for Business Online Banking a security token is necessary to access the system to perform transactions within the product. The security token is assigned at the time of enrollment.
- If no action is taken for 15 minutes, you will be automatically logged off of Online Banking. This security feature will lessen the likelihood of someone accessing your account(s) if you leave your Online Banking session open after stepping away from your computer for a period of time.
To Help You to Keep Your Information Secure
- Install and regularly update your anti-virus and anti-spyware software
There are a variety of anti-virus and anti-spyware software options available to help detect and remove computer viruses, malware and Trojans which are designed to infiltrate or damage your computer. Use these software programs to help protect your computer and Internet sessions and regularly update the software for maximum security.
- Make sure you have selected a strong User ID and Password
Never use passwords that would be easy for someone to guess such as birth dates, names, addresses, phone numbers or social security numbers.
- Never share your Online Banking credentials
You can change your password quickly and easily by clicking Options in Online Banking. Change your password regularly. And remember no one from the Bank will ever request that you provide this information to them, in person or over the phone.
- Monitor your accounts regularly
Review your accounts each month to ensure there are no unauthorized transactions. If you identify any transactions that you have not made, please contact us immediately.
- Protect Yourself from Identity Theft
Invest in a paper shredder to protect the information on old statements, cancelled checks, pre-approved card offers and other documents displaying personal information. Shred anything containing Personal Information before throwing it away. Don’t respond to ANY email or social network post or message that asks for money or confidential information and don’t assume that an unsolicited phone call or email is actually from a trusted source. Verify, verify, verify.
- Protect your Business from “Account Takeover”
Use Layered System Security and create layers of firewalls, anti-malware software and encryption.
Establish separate user accounts for every employee that is accessing financial information, and limit administrative rights. Use approval tools in online banking to create dual control on payments. Reconcile accounts online daily.
- Debit Card Fraud
Never respond to emails that request you provide your debit card info via email –and don’t respond to emails that ask you to go to a website to verify personal information. These are called ‘phishing’ scams.
Shield your card number so that others around you can’t copy it or capture it on a cell phone or other camera. Report lost or stolen bank cards immediately.
Deposits and Credit Applications will be accepted from the Maryland and Delaware portion of the Delmarva Peninsula only.