Security

Security

Our Commitment to You
Citizens Commerce understands that when you place your money with us, you expect us to keep your personal and financial  information secure. That’s why we created our Corporate  Information Security Program. It’s designed to keep your  information safe whether you bank with us in person, at our  ATMs, on the telephone, or over the internet. We follow the  industry’s accepted security practices for verifying your identity,  and all of our systems use firewalls and encryption to protect your money and your information.

Security Is Everyone's Responsibility
We believe that keeping your information safe is the responsibility of every employee. All Citizens Commerce employees are trained to follow security procedures diligently and to consider security a priority. We encourage you to take steps for your own protection, too. Below are some easy tips for making your information even safer:

• Never share your access codes with anyone. A bank representative will never ask you for your PIN.
• Change your access codes on a regular basis. If you think your access codes may have been compromised, change them and contact us immediately.
• Don’t ask for or send account information online using anything but the Online Banking secure email system.
• Consider using a personal firewall to keep hackers out of your personal computer, especially if you use DSL or a cable modem to access the Internet.
• Install virus protection software, and check downloaded software and diskettes for viruses before using them.
• Delete emails with attachments from unknown sources.
• Always click Logoff after you finish using Online Banking. If you are using a public PC (such as one in a library or a school), be sure you also close the internet browser when you finish.
   

To learn more about preventing identity theft or to find out what steps you should take if you are an identity theft victim, visit the Federal Trade Commission web site.

To learn more about how we protect your information, see our Privacy Statement.

Internet Security Controls
Modern technology has created new, more convenient forms of banking, but it has also created new fears about the risk of identity theft. As Citizens Commerce looks for ways to make banking easier using the internet and other new technology, we are also looking for ways to make banking safer. Keep reading to see what we’ve already done to keep your identity safe.

Multifactor Authentication
We use multifactor authentication to make your accounts even more secure. Our internet financial services require access codes, like your login ID, your password, and your PIN, which verify your identity more completely when you access your accounts online and protect your information as it travels between our system and your PC or wireless device.

Secure Browsers
Our website only works with secure internet browsers – ones with 128-bit encryption to protect the information that flows between your computer and our site. To verify that your session is secure, make sure that the URL address line says “https:” instead of “http:” and that a secure symbol (it may look like a closed padlock or a key) appears in the lower part of the screen on the status bar of your browser.

Timeout
Certain areas of our website use a timeout feature that automatically logs you out of your account after you’ve been logged in for an extended period of inactivity. Verifying your identity a second time helps prevent unauthorized access to your accounts.

Firewalls
Our website is protected by firewalls, which protect our computer systems and your information. They form a tight barrier around our site and permit only specific types of activity to pass through.