Cryptography - All customer information is encrypted and authenticated using Secure Socket Layer (SSL) protocol. SSL allows for information to be sent and received securely over the Internet. When a SSL connection occurs, security features within the browser and the server create a secure connection, in which all information shared is encrypted and de-crypted by only the intended recipients, ensuring that all data and transactions are secure as they are communicated over the Internet.

Firewalls - Firewalls are a combination of hardware and software that measure and limit access to a server or network for security purposes. The firewall is a system between the Internet and a network to provide security from the Internet to the internal network. The firewall keeps track of transaction activity, the time of each transaction, and who performed it.

Cookies - Each browser accessing the Online Banking Service is given a "cookie". A "cookie" is a piece of information sent by a web server to a web browser. The web browser saves and sends the cookie back to the server each time the browser accesses the site. Cookies allow a web site to identify whether or not a user previously visited the site.

Passwords and PINs - Passwords, PINs, and other similar information is required by us and is used for security reasons. Please memorize your passwords and keep them in a safe place. Please be aware that passwords can remain in your browser’s cache, and anyone might gain access if your computer is left unattended. Please refer to the "Protecting Your Password" section of the Internet User Agreement. Passwords used for Online CD Application are only for account holder identification and phone inquiries. These passwords are not used in anyway with Online Banking or the passwords associated with that service.

Web site visitors are advised to become familiar with all three of these statements/agreements, prior to utilizing the Internet services.