Online Banking Security Statement

Secure Communications
Our online banking system ensures that data exchanged between your PC and our computer networks are encrypted with 128-bit encryption – a strong form of encryption. Encryption is accomplished through Secure Sockets layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet.

Whenever SSL is securing your communications, the browser will typically indicate the “secure session” by changing the appearance of a small padlock icon at the bottom of the screen from open to locked.

What this means to you is your communications are scrambled from your browser to our servers at all times, so unauthorized parties cannot read the information as it is carried over the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering.

Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a firewall. A firewall is a combination of software and hardware products that designate parameters which control and limit the access outside computers have to the bank’s internal network and databases. Our firewall may protect your personal information from unauthorized access.

Secure Login
Upon your initial login to Online Banking, you are required to change your password and complete the registration process by choosing a security image, passphrase and answering three security questions to register your computer. You determine what the password will be and your password is not communicated to us. User IDs and passwords are not stored on the Internet. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet.

User passwords can vary from eight to sixteen characters, which means the chance of randomly guessing a password is less than one in one billion. You accept responsibility for the confidentiality and security of your password and agree to change it regularly.

Our security system also checks for invalid logins and automatically locks out a user after three invalid attempts. This prohibits a “hacker” from gaining access to our system, thereby protecting your account(s).

To re-establish your access should your ID become locked out, you must contact us to have your password reset or to obtain a new temporary password. We recommend that you create a password that is both upper-case and lower-case alpha and numeric characters for security purposes. Your password should not be associated with any commonly known personal information, such as social security numbers, address, date of birth, or names of children. Passwords should be memorized rather than written down.

Subsequently, each time you log in, you will see your security image and passphrase and know that you are on the authentic bank site. Only at this time will you enter your password.

Please note: Premier Community Bank will not ask you to submit personal or account information via email. If you ever receive an email appearing to be sent from Premier Community Bank that asks for personal information such as your account number or social security number, do not respond to the e-mail and notify us immediately at 941.795.5040.

Additional Security Measures You Can Take
You will be responsible for maintaining one of the most important security measures, your password. When you receive your on-line banking password, be sure to keep it a secret.

Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password, and always close your browser when leaving the computer.

Make sure you have antivirus protection on your computer, regularly update your anti-virus software and scan your computer for viruses that could be used to capture password keystrokes.

You ultimately hold the key to your password security.