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TCB Online Security Protection
TCB Online
Security Protection | Privacy Notice
| Identity Theft |
Internet Scams
For you and Texas Country Bank
User Level
User Responsibilities
Server Level
Host Level
For you and Texas Country Bank
Texas Country Bank is pleased to offer Internet
banking. Delivering these services requires a solid
security framework that protects you and our
institution's data from outside intrusion. We are
committed to working with our Internet service and
communications providers to produce the safest operating
environment possible for our customers. There are
several levels of security within our security
framework: User, Server and Host levels.
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User Level
The User Level deals with cryptography and Secure
Sockets Layer (SSL) protocol, and is the first line of
defense used by all customers accessing our Banking
Server from the public Internet. There are several
components of User Level security that ensure the
confidentiality of information sent across the public
Internet. The first requires your use of a fully SSL-compliant
128 bit-encrypted browser such as Netscape Navigator or
Microsoft Internet Explorer. SSL is an open protocol
that allows a user’s browser to establish a secure
channel for communicating with our Internet server. SSL
utilizes highly effective cryptography techniques
between your browser and our server to ensure that the
information being passed is authentic, cannot be
deciphered, and has not been altered en route. SSL also
utilizes a digitally signed certificate, which ensures
that you are truly communicating with the Online Banking
Server and not a third party trying to intercept the
transaction.
After a secure connection has been established between
your browser and our server, you then provide a valid
Access ID and Password to gain access to the
services. This information is encrypted, logged by the
server forming another complete physical security layer
to protect the server's information, and a request to
log on to the system is processed. Although SSL utilizes
proven cryptography techniques, it is important to
protect your Access ID and Password from others. You
must follow the Password parameters we specify at
the time you sign up for an Internet banking account. We
also recommend changing your Password often.
Session time-outs and a limit on the number of logon
attempts are examples of other security measures in
place to ensure that inappropriate activity is
prohibited at the User Level.
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User Responsibilities
Our service provider continues to evaluate and implement
the latest improvements in Internet security technology,
you as a user of the online banking system also have a
responsibility for the security of your information and
should always follow the recommendations listed below:
- Utilize the latest 128 bit-encryption version of
either Netscape Navigator or Microsoft Internet
Explorer. The online banking system is best viewed
and is most secure when you use one of these two
browsers, as they are both certified for use at our
site.
- Your password must be kept confidential. You
must follow our specific parameters for a password
and change it frequently to ensure that the
information cannot be guessed or used by others. Be
sure others are not watching you enter information
on the keyboard when using the system.
- Choose a good password – Your online password,
along with your user code, authenticate you when you
begin an Internet Banking session. You should
carefully select a password that is hard to guess.
- Keep your password safe – Even the best password
is worthless if it’s written on a note attached to
your computer or in your checkbook. Memorize your
password and never tell it to anyone. We do not need
your password to help you, so we will never ask you
for it.
- Change your password regularly – It’s important
to change your password regularly. Every time you
choose a new password, the Internet Banking system
runs a quick program to test it. If we can guess it,
we will immediately ask you to choose another one.
- Remember to sign-off properly – Never leave your
computer unattended while logged on to the online
banking system. Others may approach your computer
and gain access to your account information if you
walk away or you may not always be at your computer
when you bank online, therefore, it is important to
sign off, or click exit, when you are finished using
the system to properly end your session. Once a
session has been ended, no further transactions can
be processed until you log on to the system again.
If you do forget to sign-off, the system
automatically signs you off after 10 minutes of
inactivity.
- Keep your computer free of viruses. Use virus
protection software to routinely check for a virus
on your computer. Never allow a virus to remain on
your computer while accessing the online banking
system.
- Report all crimes to law enforcement officials
immediately.
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Server Level
Server Level focuses on firewalls, filtering routers,
and our trusted operating system.
All transactions sent to our Banking Server must first
pass through a filtering router system. These filtering
routers automatically direct the request to the
appropriate server after ensuring the access type is
through a secured browser and nothing else. The routers
verify the source and destination of each network
packet, and manage the authorization process of letting
packets through. The filtering routers also prohibit all
other types of Internet access methods at this point.
This process blocks all non-secured activity and defends
against inappropriate access to the server.
The Banking Server is protected using the latest
firewall platform. This platform defends against system
intrusions and effectively isolates all but approved
customer financial requests. The platform secures the
hardware running the Online applications and prevents
associated attacks against all systems connected to the
Banking Server. The system is monitored 24 hours a day,
seven days a week for a wide range of anomalies to
determine if attempts are being made to breach our
security framework.
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Host Level
Host Level deals specifically with our Internet banking
services, and the processing of secure financial
transactions.
Once authenticated, the customer is allowed to process
authorized Internet banking transactions using host
data. In addition, communication time-outs ensure that
the request is received, processed, and delivered within
a given time frame. Any outside attempt to delay or
alter the process will fail. Further password encryption
techniques are implemented at the host level, as well as
additional security logging and another complete
physical security layer to protect the host information
itself.
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