Palmer Bank provides Internet banking (E-Banking)
access through Certegy E-Banking Solutions. Certegy requires all
of its divisions and companies to take proactive steps to ensure
that the systems they own or participate in contain adequate security
measures to limit the possibility of unintended distribution of
confidential information and the potential for fraud-related losses.
State of the art firewall technology is the first line of defense
in preventing unauthorized access to any information housed.
Included in this operating system is the capacity to allow only
secure connections by end users. Utilizing Secure Socket Layer (SSL)
technology, all transmissions of web pages and data between the
financial institution and its customer are completely encrypted
and are unreadable to any person or group trying to "intercept"
the transmission. SSL encryption is the industry standard and is
commonly used in Internet applications that require security and
privacy for sensitive data.
Before the consumer accesses
the Internet Banking Service Bureau solution, they are required
to enter their user ID and password. Without the proper login, individuals
cannot see or use any web pages within the E-Banking product.
For security reasons, complete account number(s) never appear on
the computer screen. When the account number needs to be displayed
it appears as ###456789 instead of 123456789. Financial institutions
have the flexibility to determine how many digits are "unmasked"
and the masking will always occur from the left. Account "Aliases"
are user-defined titles for the consumer's account (i.e., "My Checking")
and is used when displaying account information on the screen.
When consumers
are accessing the online information, their connection is automatically
converted into a secure Internet communications session.
When consumers access
their account information or any other sensitive data, an encryption
system is automatically activated to protect the transmission of
information from unauthorized sources.
However, Palmer Bank continues to monitor and review
the security procedures that it has in place to protect customer
information. These measures are updated as practices change and
new technology becomes available.
If you have any questions regarding these policies and procedures,
please contact Linda Snyder at 217-287-2265.
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