Presidio Bank is constantly developing and implementing security enhancements to ensure the integrity of our Online Banking system.
Our goal is to protect the confidentiality of your account and personal data and comply with all applicable banking regulations relating to the safeguarding of your data. When you bank online, you trust that your funds and personal information are secure. That's why we work very hard to make all of our online services, sites you can visit and use with confidence.
Presidio Bank Security Measures
The following are the systems we have in place to protect your personal and account information:
Firewalls and Data Protection
Presidio’s security uses firewalls that act as a shield between the Internet and Presidio Bank’s internal systems. This barrier helps to ensure that all internal information is secure. Our firewall records all activity within Online Banking, including sign-ons, sign-offs, and access violations which allows for quick identification of any suspicious activity.
In Online Banking, our system encrypts all of your information. Simply put, it is unreadable to any unauthorized viewing or use, especially during transmission. For your security and ours, Presidio Bank uses robust, industry-standard encryption.
Monitoring Systems and Notifications
We use various monitoring systems to detect suspicious and fraudulent activity. These systems are the "watchdogs" for unusual patterns of activity, such as incorrect password usage. If such activity is detected, the user may be "locked out" and unable to access Online Banking.
Business eBanking Layered Security
Important New Security Enhancement From IBM/Trusteer To Improve Your eBanking Protection
- New Enhanced IBM/Trusteer Security Announcement (Security Update)
- Detailed Overview of IBM/Trusteer Security (Security Overview)
- Multi-Factor out of Band
- Behavioral Analytics and Transactional Anomaly Detection
- Data Encryption
- VPN Tunneling prevents hacking and provides two way authentication
- Keyboard Encryption stops key logging thereby preventing Man in the Middle
- Harden Shell Browser and Operating System
- Anti-Virus Software
- Strong Password Configuration
- Malware is not a factor, as the hardened platform inclusion of an operating system and browser are not effected by today’s infections
Personal eBanking and Mobile Banking Security
Presidio Bank contracts with Digital Insight (NCR Corporation) for its personal online banking software and mobile banking app. They also designed FinanceWorks, a product that allows clients to manage all their finances on one platform. You can read more about Digital Insight's personal eBanking security protections and Mobile Banking security here.
How You Can Protect Your Account
While we work very hard to protect and secure your accounts, you also have a very important role to play in preventing and reporting unauthorized account activity. We strongly recommend the following:
Sign Off - Always select "Sign Off" when you finish your Online Banking session. If you do not, Online Banking will automatically sign you off after 20 minutes of inactivity.
Use Alerts - Alerts, sent via email, allow you to monitor specific account activity. Bank-initiated alerts provide added security by advising of any changes within your accounts related to your online security. Optional alerts, set up by you, monitor specific activity such as balance alerts. All alerts can be set up within Online Banking. Contact Presidio Bank immediately if you notice questionable transactions.
Enroll in Online Statements - Not receiving paper statements in the mail helps to reduce the threat of having your statements stolen out of your mailbox.
Other helpful suggestions:
- Never write your Personal Identification Number (PIN) on the back of your debit card or on a piece of paper you keep in your purse or wallet.
- Do not reply to emails that ask for your account information. Do not give your account information to phone solicitors. Your bank will never call or email you for that information - it already has it.
- Don't provide your credit or debit card number online unless you are on a web site you trust.
- Never keep your bank statements, checks, debit and credit cards in an unsecured place, such as a glove compartment, where anyone can gain access to them.
- Be sure to shred all financial documents before throwing them away.
Business eBanking Best Practices
Business computer hacking has quickly gone from a growing threat to becoming a common activity. The current version
involves malware placed on your business PC that is activated when you log onto your eBanking service with the bank. At that moment, the hacker has become you and assumed the ability to take control of your access levels. If you are initiating an ACH or wire transaction, the hacker may be able to change the information that you have entered after you think you have completed this transaction. This includes changing the account number, Bank routing number and/or the dollar amount after you
think you have signed off. We have provided the following Best Practices to assist you in mitigating the risk of loss due to your
computers being hacked. We strongly encourage you to follow all of these practices.
Report Suspicious Activity
Please report any suspicious activity in emails, in your online banking account, or on your statement, immediately to your Relationship Services Manager.
Secure eMail User Guide
View our Secure Email User Guide to learn how to send and receive sensitive information to and from the bank.
USA Patriot Act Customer Identification Program
To help the government fight the funding of terrorism and money laundering activities, Federal law under Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If you presently have an account with us and add a joint owner or owners to an existing account, we must also verify and retain copies of their identification. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.
Links To Helpful Resources
FBI'S Internet Crime complaint Center (IC3)
The mission of the Internet Crime Complaint Center is to provide the public with a reliable and convenient reporting mechanism to submit information to the Federal Bureau of Investigation concerning suspected Internet-facilitated criminal activity and to develop effective alliances with law enforcement and industry partners. Information is analyzed and disseminated for investigative and intelligence purposes to law enforcement and for public awareness. this site has valuable tips about preventing internet crime as well as a place to report crimes.
Protect Your Computer and privacy - Checklist
Check Fraud Prevention
The information and recommendations contained here have been compiled from sources believed to be reliable and represent the best current opinion on the subject. No warranty, express or implied by Presidio Bank, is made as to the absolute correctness or sufficiency of the information contained. This is meant as general information only, particular situations may require additional actions.