Our Internet Banking product utilizes the latest computer and security technology to ensure that all customer account information remains secure and accurate. All hardware components reside in a secure location with strict security controls implemented.
ACCOUNT ACCESS CONTROLS
We maintain controls for the way in which each customer may access accounts. These controls are maintained through settings on the host software and within the Internet Banking interface. Restrictions may be placed on account access and transfer rights.
A customer is only allowed to access account information on our Internet Banking with a valid login consisting of a customer number and PIN. Only customers who have been enabled for Internet Banking will be allowed access and only data for these customers will be transferred to our Internet Banking Server Network. After three simultaneous invalid PIN entries for a customer, access will be disabled for the customer preventing unauthorized access by a third party. Once disabled, only bank personnel may re-enable access through the Internet Banking interface.
All communication between the customer and the Internet Banking Network are conducted using the Secure Socket Layer (SSL) protocol. SSL provides data encryption, server authentication, and message integrity for the entire banking session. This assures that somebody will not be able to eavesdrop on the session, that the customer is connected with the Internet Banking Server Network and not an imposter, and that all information received will be accurate. Additional information on SSL may be found at http://www.webopedia.com/TERM/S/SSL.html.
The Internet Banking Server Network is comprised of several components including a Firewall, Screening Router, Proxy Server, Web Server, and Database Server. The Firewall and Screening Router work in tandem ensuring that only authorized requests are allowed to reach the Web Server. Any suspicious activity will result in access being denied and is logged for later review. The Proxy Server acts as an intermediary between the Web Server and the Internet. All requests are passed to the Web Server on behalf of the client and back to the client on behalf of the Web Server. This ensures that access directly to the Web Server is not possible, significantly reducing the possibility of unauthorized access. The Database Server, where all account information is stored, is only accessible through request made by the Web Server. Access to account information is only allowed through the Web Server Banking interface.
All of these Security methods have been implemented so that you can be confident that our Internet Banking is secure.
For more information or questions regarding this policy, contact us at:
Community State Bank
1414 W. 11th
Coffeyville, KS 67337