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Protect Your Privacy
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Some consumers may want to know how their personal
information is used by their bank and whether it is
shared with affiliates of the bank or other parties.
Starting July 2001, banks are required to give you a
copy of their privacy policy once you become their
customer, regardless of whether you are conducting
business online or offline. You may also see a copy of
it posted at the bank’s Web site. By reviewing this
policy you can learn what information the bank keeps
about you, and what information, if any, it shares with
other companies.
Help Keep your Transactions Secure
The Internet is a public network. Therefore, it is
important to learn how to safeguard your banking
information, credit cared numbers, Social Security
Number and other personal data.
Click on this link for mor information about our
security practices, or contact us directly at (620)
251-5500.
Also, learn about and take advantage of security
features. Some examples are:
- Encryption is the process of scrambling private
information to prevent unauthorized access. To show that
your transmission is encrypted, some browsers display a
small icon on your screen that looks like a “lock” or a
“key” whenever you conduct secure transacti;ons online.
Avoid sending sensitive information, such as account
numbers, through unsecured e-mail.
- Passwords or personal identification numbers (PINs)
should be used when access an account online. Your
password should be unique to you and you should change
it regularly. Do not use birthdates or other numbers or
words that may be easy for others to guess. Be careful
who you give your password to. For example, if you use a
financial company that requires your passwords in order
to gather your financial data from various sources, make
sure you learn about the compan’s privacy and security
practices.
- General security over your personal computer such as
virus protection and physical access controls should be
used and updated regularly. Contact your hardware and
sofware suppliers or Internet serviceprovider to ensure
you have the lates in security updates.
If you have a security ocncern about oyour online
accounts, contact us to discuss possible problems and
remedies.
- Remember that nonfinancial Web sites that are linked
to your bank’s site are not FDIC-insured.
As an added convenience to their customers, some banks
offer online links to merchant’s, retail stores, travel
agents and other nonfinancial sites. An outside
company’s products and services are not insured by the
FDIC, and we do not guarantee the products and services.
As in everyday business, before you order a product or
service online, make sure you are comfortable with the
reputation of the company making the offer. Only then
should you give out your credit card or debit card
number. And never give the number unless you initiated
the transaction.
For More Help
Answers to your questons.
Many regulations provide consumer protection for both
traditional and online transactions. If you have any
questions or concerns, first try to get answers from
your bank. If you’re still not satisfied, contact the
appropriate federal regulator.
For a brief overview of the regulations, lon on to the
FDIC’s Consumer Rights web page at http://www.fdic.gov/consumers/consumer/rights/index.html.
If you’d like to review the regulations, you can look
them up at http://www.federalreserve.gov/regulations.
Where to file a complaint.
If you know your bank’s primary regulator, you may file
your complaint online or via e-mail using one of the
following methods. If you are not certain where to file
your complaint, you may contact any of the agencies
listed below and they will direct you to the appropriate
office.
Federal Deposit Insurance Corporation:
http://www2.fdic.gov/starsmail
Office of the Comptroller of the Currency (e-mail):
Customer.assistance@occ.treas.gov
Board of Governors of the Federal Reserve System:
http://www.federalreserve.gov/pubs/complaints
Where to report a suspected fraud:
JContact the FDIC at http://www.fdic.gov/bank/individual/online/sspcious.html
if you have been a victim of banking fraud, or if you
have visited a bank Web site that appears to be
fraudulent.
For more information
For more information about online banking in general,
write or call the following banking regulators or visit
their Web sites:
Federal Deposit Insurance Corporation
550 17th Street
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