Consumer Education


The following websites provide further information for consumers:

How to minimize risk

Before revealing any personal identification information, find out how it will be used and whether it will be shared with others. Don't divulge unnecessary information.

Other protections include:

If you become a victim

If you suspect that someone has been using your personal information, you should contact:

Protect Yourself Against Phishing

A new internet threat literally "fishes" for your personal information through bogus e-mails and web sites. Phishing is internet piracy that seeks to obtain account numbers, passwords, social security information and other confidential information in order to loot your checking account or charge items on your credit cards.

How it Works

You might receive an e-mail that seems to come from a respected business, even one you have a relationship with, or a government agency.

It might warn you of a problem that you must attend to immediately using words like "Immediate Attention Required" or "Contact Us Immediately."

In most scams you will be redirected to a fraudulent website where your financial information is stolen. If you provide information at that time you may find yourself a victim of fraud.

Protect Yourself


Worms, viruses and spyware that have appeared on the Internet carry a variety of problems. Some have the capability to install software on an end user's computer, seeking Internet banking or financial data with the intent of communicating the data back to the attacker.

A financial institution or a service provider cannot prevent these items from being sent out and infecting people's computers. What we can do is ensure that our systems are virus-free, properly patched and that our users are knowledgeable of the risks.

The following are tips to help protect your computer and information:

  1. Keep anti-virus software current on any computer, especially those from which financial transactions are conducted over the Internet.
  2. Keep software patched with the latest updates, especially computers that conduct financial transactions over the Internet.
  3. Install a personal firewall and anti-spyware software on your computer from a vendor you know and trust.
  4. Do not open emails or attachments that are of unknown origin, as this is often the source of virus and worm infections.
  5. When conducting online transactions, ensure that it is a secure connection. Visual markers to indicate a secure connection include:
    • "https://" in the address line of your browser
    • a padlock image in the lower right-hand corner of your screen (with Internet Explorer)
    • two halves of a key, which are highlighted and connected in the lower right-hand corner (with Netscape Navigator).

You can also view the security levels provided on any page by going to File/Properties in the menu bar.

For more tips on protecting your computer and personal information, visit the following web sites:

The Bank's Commitment to Confidentiality

The Bank is committed to safeguarding our customers' financial information. Maintaining our customers' trust and confidence is a top priority. To learn more about how we protect your information, please ask for a copy of our privacy policy at any of our branch locations or click on the link below.

Privacy Policy