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Security and Fraud Prevention

How We Protect Your Online Security


The security of your financial information is one of Austin Capital Bank's most important responsibilities. We maintain our Internet banking platform using stringent information security guidelines and use many lines of defense to protect your account information. From authentication, SSL, encryption software, high-end firewalls, and automatic log off, your information is always safe and secure.

  • Authentication ensures that you, the legitimate user is communicating with us and not a fraudster who does not have authority to access your online accounts.
  • SSL stands for "Secure Socket Layer." This technology allows users to establish sessions with secure Internet sites, meaning they have minimal risk of external violation. Once inside the Internet Banking site, our use of SSL technology keeps you and your account information secure.
  • Encryption turns words and phrases into coded language. All of your online activities during an Internet banking session become a string of unrecognizable numbers before entering the Internet. We employ the strongest forms of cryptography that are commercially available for use over the Internet, so your account information will read as gibberish to everyone but you and our financial institution.
  • High-end firewalls protect our computer systems interacting with the Internet against unauthorized access by outside individuals or networks.
  • Automatic log off is done automatically after 20 minutes of inactivity during an Internet banking session. So if you forget to log off after your online session, we will do this for you to prevent anyone else from accessing your account.

From the moment account information leaves your computer to the time it enters our Internet banking system; we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.

  • You must enter your passcode, and we must verify it before you are allowed to access your accounts.
  • Only browsers supporting the SSL security protocol with 128 bit encryption can be used to log on to our system.
  • Once online, we make sure only you can view any information about your accounts.
  • SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Internet Banking system.
  • SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.

How to Protect Yourself from Online Fraud


The increased sophistication and rapid growth of online fraud continues to be a challenge. These scams appear in many forms, especially fraudulent emails and Web site, spyware and viruses, and pop-up advertisements.


Fraudulent Emails and Websites

This particular type of fraud occurs when someone poses as a legitimate company to obtain personal data, such as account numbers, and then makes transactions with this information illegally. A common form of this scam is called "phishing". Phishing refers to cyber-criminals who attempt to gather sensitive personal information from consumers through emails and/or through imitations of legitimate Web sites. To combat phishing, please remember that Austin Capital Bank will never ask for sensitive information from you via e-mail (ex. Social security number, access ID, passcode or account number, or ATM/debit card number and PIN).


Spyware and Viruses

Spyware and viruses are destructive programs loaded on your computer without your permission or knowledge. Spyware appears as a legitimate application on your computer but actually monitors your activity and collects sensitive information. Viruses are harmful programs spread through the Internet that can compromise the security of your computer. Maintaining up-to-date anti-spyware and virus protection software and firewalls help avoid these risks.


Pop-Up Advertisements

Pop-ups appear in a separate browser window and, when clicked, can download harmful spyware or adware to your computer. While some make legitimate offers, many pop-ups are attempts to obtain your sensitive information. Austin Capital Bank will never ask you to verify personal financial information in pop-up advertisement.


Helpful Tips to Protect You

While online banking is safe, as a general rule you should always be careful about giving out your personal financial information over the Internet. Review the following tips to protect your personal information while using the Internet.


  • Regularly log into your online accounts to verify that your bank, credit, and debit card statements and transactions are legitimate.
  • Be suspicious of any e-mail with urgent requests for personal financial information.
  • If you receive an unsolicited e-mail from any source asking you to click on a link to visit a site and input personal data, be very wary of it.
  • Be cautious about opening any attachments or downloading any files from e-mails, regardless of who sent them.
  • Instead of clicking on links in emails, type in the URL that you're familiar with, such as https://www.austincapitalbank.com/, or select the Web address saved in your browser's "Favorites".
  • If an offer sounds too good to be true, it probably is and should be avoided.
  • If you have any doubts about the validity of an email, contact the sender using a telephone number you know to be genuine.
  • Before you initiate an online transaction, make sure your personal information is protected by looking for indicators that the site is secure. URLs for secure sites typically begin with "https" instead of "http" and display a lock in the lower right corner of your browser.
  • Use anti-virus software and keep it up-to-date.
  • Make sure you have applied the latest security patches for your computer. Most software providers, like Microsoft, offer free security patches.
  • If you have broad-band Internet access, such as cable modem or DSL, make sure that you have a firewall.

We take numerous steps to keep your account information secure. However, you must take precautions as well.

  • Choose a good passcode - Your online passcode, along with your access ID, authenticate your identity when accessing online accounts. You should carefully select a passcode that is difficult to guess and not use personal information or a word that can be found in the dictionary.
  • Keep your passcode safe - Even the best passcode is worthless if it's written on a note attached to your computer or kept in your checkbook. Memorize your passcode and never tell it to anyone.
  • Change your passcode regularly - It's important to change your passcode regularly. Every time you choose a new passcode, our online banking system runs a quick program to test its safety. If we can guess it, we will immediately ask you to choose another one.
  • Remember to log off properly - You may not always be at your own computer when banking online. Therefore, it's important to log off using the "log off" link at the top of each Internet banking page. If you forget to do so, the system automatically signs you off after 10 minutes of inactivity.

If you need any assistance, you can also contact us at 512-693-3600.


ATM Safety Notice


Card Safety

WATCH FOR SKIMMING DEVICES

Skimming devices that capture card and PIN data may be attached to card readers and/or keypads at ATMs and point-of-sale terminals, such as gas pumps. If you suspect alterations to a card terminal, do not complete the transaction.

KEEP YOUR PIN TO YOURSELF

No one ever needs to know your PIN ... not even your financial institution. Memorize your PIN and never write it on your card or store it with your card. Never let a cashier, teller or other stranger enter your PIN for you.

SHOP CAREFULLY ONLINE

When you initiate an online transaction, type the URL into your browser instead of using a link. Look for indicators that the site is secure, like "https" in the web address or the closed padlock icon. It also is wise to conduct financial transactions on wired Internet connections. Public wireless networks can be more vulnerable to attack.

PROTECT YOUR CARD'S MAGNETIC STRIPE

Exposing your card's magnetic stripe to other magnetic objects can cause damage that will make your card unusable.

REPORT A LOST OR STOLEN CARD AT ONCE

If your card is lost or stolen, call your financial institution immediately to reduce the chance that the card will be used improperly. This step also will limit your potential liability for unauthorized transactions.

REVIEW ACCOUNT STATEMENTS REGULARLY

Verify all transactions by matching receipts to account statements. Many financial institutions offer free email alerts for routine account activity, as well as for unusual transactions.

NEVER RESPOND TO AN UNSOLICITED REQUEST

Never provide your debit card number, PIN or any other private information to anyone in response to an unsolicited email, pop-up message or phone request. Your financial institution will never ask for your PIN.

ATM Safety

BEWARE OF PHONY ATMS

Aside from altering ATMs, perpetrators also may install fraudulent ATMs in public places, which may be difficult to distinguish from a legitimate ATM.

OBSERVE YOUR SURROUNDINGS

If anyone or anything appears suspicious, leave the area at once. If you drive to an ATM, park close to the terminal and observe the entire area from the safety of your car before getting out.

ONLY USE WELL-LIT, UNOBSTRUCTED ATMS

If an ATM is obstructed from view or poorly lit, leave the area and conduct your transaction at another location.

MINIMIZE TIME SPENT AT THE ATM

When your transaction is complete, put your card, money and receipt away, and immediately leave the area. Never count your money while at the ATM.

ONLY ENTER YOUR PIN ONCE FOR A TRANSACTION

If you are prompted to enter your PIN twice, or if you notice unusual messages on the screen, go to another ATM. If the transaction is canceled and you enter your PIN a second time, check your statement for duplicate transactions.

BLOCK THE VIEW OF THE KEYPAD AT AN ATM

Prevent "shoulder surfing" by standing between the ATM and anyone waiting to use the terminal. Shield the keypad from unauthorized cameras and other patrons when entering your PIN.

Drive-through ATM Safety

• Keep your doors locked and engine running at a drive-through ATM.

• Always leave enough room between vehicles to allow for a quick exit.

• Before rolling down the window to use an ATM, observe the area for suspicious activity.

• If anyone follows you after making an ATM transaction, drive immediately to a crowded, well-lit area and call the police.

If you suspect any questionable activity at ATMs or detect any unlawful use of your ATM or debit card, always note the date, time and location, and report the problem to your financial institution and the ATM operator (when applicable) immediately. File a police report to document theft.


Mobile Security


Mobile Security Brochure


Important Security Links


Identity Theft & Fraud

http://www.fdic.gov/consumers/theft/

General Online Security Tips

http://www.onguardonline.gov/


FDIC Consumer News


Business Information Security


NACHA-Corporate Account Takeover Resource Center

https://www.nacha.org/content/corporate-account-takeover-resource-center


Sound Business Practices for Companies to Mitigate Corporate Account Takeover

https://www.nacha.org/system/files/resources/Sound%20Business%20Practices%20for%20Companies%20to%20Mitigate%20CAT.pdf


Small Business Information Security: The Fundamentals

http://csrc.nist.gov/publications/nistir/ir7621/nistir-7621.pdf