Online Safety Guidelines


Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls and engaging in online account takeovers and fraudulent electronic funds transfers.


In order to help ensure the security of your online transactions, we want you to know the that:


In addition, we may require owners of commercial accounts to perform their own risk assessments and controls evaluations. For example:


Federal regulations provide consumers with some protections for electronic fund transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer’s liability for unauthorized electronic funds transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of theses protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. Refer to the Electronic Fund disclosure that was provided at account opening for more information on these types of protections. We will gladly provide you a copy of the disclosure if needed.