SECURITY
Internet Banking Security:
With proper safety measures in place, your Internet Banking transactions remain confidential and safe. The following measures have been taken to ensure your privacy:
Secure access and Verifying User Authenticity:
Unique ID and Personal Identification Number (PIN) - In order to access you Internet Banking Account(s), you must enter a unique User ID and PIN. In addition to your User ID and PIN, we utilize Dual Authentication to monitor the Internet Protocol address of the computer you use to access your Internet Banking Account. Should you utilize a different computer, you must successfully answer some security questions that you have previously responded to.
Account "Pseudo" names - Internet Banking does not display your account numbers over the Internet. Instead we allow you to choose a "pseudo name" for each of your accounts. For example, Home Checking, Judy's Savings, etc. Never use the legal name on the account(s) or the account numbers as the "pseudo name".
Automatic log-off - If you are logged on to our Internet Banking Service but do not use it for 10 minutes, you will not be able to proceed until you "re-log" onto the system.
PIN "lockout" system - To keep unauthorized individuals from accessing your account by guessing your PIN, we have instituted a PIN lockout system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system until the bank verifies the identity of the user.
Secure Data Transfer:
Encryption - The latest encryption technology ensures that your confidential account information cannot be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right "key." When you request information about your accounts, the information is sent across the web in an encrypted format to our Internet Banking Service. We decode your request and send the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.
Router and Firewall:
Other Security Measures - In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.
How you can protect your Internet security?
While our Internet Banking Service works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Internet Banking account(s) information is protected, including:
- Keep your PIN to yourself. Create a unique PIN that is not a proper name, address, birth date or otherwise easily guessed.
- Change your PIN frequently. The system will require you to change your PIN every 90 days.
- Remain at your computer until your Internet Banking transactions are completed and log out. Log out of Internet Banking prior to visiting other Internet sites
- If you notice suspicious or unusual activity on your Internet Banking accounts, please call (303) 680-1600.
Always Use the Most Current WEB Browser available and keep your security patches up to date.
ALWAYS install and maintain a commercially available Anti-Virus software that includes screening for malware, trojans, key-loggers and other malicious code. It is YOUR responsibility to protect your computer from the threats on the Internet.
When sending any information online this site automatically switches to a secure mode. This is evident by the "https" that will appear in the url as opposed to "http." If you are using Internet Explorer you will see a locked padlock at the bottom of your screen when you are in a secure mode and an unlocked padlock when you are in an insecure mode.
CONSUMER PRIVACY POLICY
What you should know …
We recognize our obligation to keep information about you secure and confidential. It’s important to you to know that we collect and use various types of information to service your accounts and to help Centennial Bank better understand your needs.
The types of “Customer Information” we collect are …
- Information you provide to us on applications and through other means, such as your assets, income and other debt.
- Information about your transactions and account experience with Centennial Bank, such as you account balance, payment history, parties to transactions or information about our communication with you.
- Information from a consumer report, such as information regarding your credit worthiness or credit history.
- Information from outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan balances, or your personal property insurance coverage.
We use this information about you …
- For identification purposes to protect you and your accounts against fraud.
- To make credit decisions.
- To identify additional products or services that may help meet your needs or result in added savings or convenience to you.
- To help us identify and mitigate potential risks or losses to Centennial Bank.
- Only in accordance with the principles set out in this policy.
Our commitment to you …
Centennial Bank will not sell or transfer customer information. Centennial Bank will disclose customer information ONLY as permitted or required by law. Additionally, Centennial Bank will disclose any information which you request and authorize in writing.
How we protect the confidentiality of your information …
Access to your personally identifiable financial information is limited to authorized employees with a specific business reason for utilizing this data. Our employees have been trained to protect the confidentiality and security of your account information. We also maintain physical, electronic, and procedural security safeguards to comply with federal standards in order to guard and protect information about your account.
Internet Banking Privacy Protection
Centennial Bank maintains the same commitment to customer information privacy with our Internet Banking Service. State of the art security procedures and equipment are in place to protect your account information on the Internet. These systems are consistently monitored and upgraded as technology advances.
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