State 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. The information below summarizes our security
framework, which incorporates the latest proven technology.
A section at the end also summarizes your responsibilities
as a user of the internet banking system with regard to security.
There are several levels of security within our security framework.
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.
Server Level focuses on firewalls, filtering routers, and
our trusted operating system. Host Level deals specifically
with our internet banking, and the processing of secure financial
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 userís
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.
a secure connection has been established between your browser
and our server, you then provide a valid User ID and Security
Code 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 User
ID and Security Code from others. You must follow the Security
Code parameters we specify at the time you sign up for an
Internet banking account. We also recommend changing your
Security code 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.
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.
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.
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.
While our service provider continues to evaluate and implement
the latest improvements in Internet security technology, users
of the online banking system also have responsibility for
the security of their information and should always follow
the recommendations listed below:
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.
Security Code must be kept confidential. You must follow
our specific parameters for a Security Code and change it
frequently to ensure that the information cannot be guessed
or used by others.
sure others are not watching you enter information on the
keyboard when using the system.
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.
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
your browser when you are finished, so that others cannot
view any account information displayed on your computer.
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
all crimes to law enforcement officials immediately.
you follow these simple security measures, your interaction
with the online banking system will be completely confidential.
We look forward to serving your online banking and bill payment
needs both today and into the future - securely