United Mississippi Bank understands that the
security of your personal account information is important
to you. We also understand that our continued success as a
financial institution relies on both our ability to offer
banking services to you in a secure manner as well as your
responsibility in keeping any access codes, passwords or PINs
secure. To assist us in offering these Web-based banking services
in a secure manner, we employ a number of measures, which
are described below. These measures allow us, among other
benefits, to properly authenticate your identity when you
access these services and protect your information as it travels
between your PC and United Mississippi Bank. With the proper
safety measures in place, your online banking transactions
remain safe and secure. The following measures have been taken
to ensure your privacy, as well as some steps you can take.
Our server does not connect directly to the Internet. It
is isolated from the network via a “router” and
a “firewall". In combination, they serve as an
“electronic guardian”. All requests to the server
are filtered through a router and firewall before they are
permitted access to the server. A router is a piece of hardware
that works in conjunction with the firewall, a piece of software,
to block and direct traffic coming to the server. The router
and firewall define and limit access that "outside"
computers have to United Mississippi Bank’s server.
The configuration begins by disallowing ALL traffic and then
opens only when necessary to allow only authorized users to
have access.
United Mississippi Bank uses the latest in encryption technology
to ensure that your private information cannot be intercepted
by unauthorized users. When you request information about
your accounts online, the encrypted request is sent to United
Mississippi Bank. We decode the transmission and verify your
user and account information. We then send the requested information
back to you in an encrypted format that only you can read.
In order to access your accounts online you must enter a
unique User ID and PIN number. We strongly recommend that
you choose a PIN that you can remember (without writing it
down) but does not use information that can be easily
guessed by someone. Avoid the use of birthdays, children’s
names, etc. Do not reveal your User ID or PIN to anyone.
United Mississippi Bank requires that you change your PIN
every ninety (90) days. This step provides additional security
should someone guess your current PIN.
If an unauthorized person attempts entry into your online
account by trying to guess the User ID and PIN combination,
United Mississippi Bank will automatically disable the PIN
after three (3) tries. This step prohibits further access.
If you accidentally activate this security feature by unintentionally
mis-keying a password three (3) times, you will need to stop by one of our locations to sign a form requesting that your PIN be reset.
If you are logged on but do not perform any activity for
ten (10) minutes, you will be logged off automatically. We
recommend logging off your online banking session when you
are finished. Once you have finished your online banking session,
logoff before visiting other internet sites. We also recommend
that you do not leave your computer unattended while you are
logged on.
In regards to e-mail usage, always be alert for fraudulent activity. Here are a few things to watch for:
- E-mails with upsetting or exciting (but false) statements in their subject lines to get people to react immediately
- E-mails or forms that appear to be valid but typically ask for private information such as user names, passwords, credit card numbers or social security numbers
You can play an effective role in protecting against such activity:
- Remember e-mail is unsecured. Never send private or confidential information such as, account numbers, social security numbers, pins, etc.
- Only open e-mails sent by people you know and companies you trust
Do not open attachments unless you are certain you can trust the source
CONTACT US immediately if you suspect unauthorized access
to your accounts.
While we work to protect your banking privacy, you also
play an important role:
| • |
Don’t reveal your User ID or PIN to anyone |
| • |
Don’t leave your computer unattended while logged
on to your account |
| • |
Log off before visiting other internet sites |
| • |
Contact us immediately if you notice any suspicious
or unusual activity related to your accounts |
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