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On-Line Banking Security

Alert - Important information to safeguard your account.

Our Security Precautions - Information about safeguards we have in place.

Your Role in Security - Recommendations for you to take to enhance your personal banking information.

Alert

We want to alert you to suspicious telephone calls and e-mails that are taking place in many parts of the state, so that you are able to recognize and help us safeguard your personal banking information.

Generally these fraudulent requests urge you to provide your TransFund ATM or Debit card number along with the Personal Identification Number (PIN) that you would usually use at an ATM. These requests falsely state that you will be "locked out" of or "suspended" from your account with us or a merchant with whom you do business if you do not act quickly.

Individuals that respond to these telephone calls and e-mails generally find that unauthorized ATM withdrawals are made from their accounts shortly after providing this information.

What We Are Asking You To Do:

Never give out your personal financial information in response to an unsolicited phone call, fax, or email, no matter how official it may seem.

Do not respond to requests that may warn of dire consequences unless you validate your information immediately.  Contact your bank to confirm the e-mail's validity using a telephone number you know to be genuine.

Check your bank account and credit card statements regularly and look for unauthorized transactions, even small ones.  Some thieves hope small transactions will go unnoticed.  Please report discrepancies immediately.

As an Internet user, please visit our website at www.okstatebank.com/security.html to learn more about online security issues.

What We Are Doing Now

We do not provide your personal information to outside third parties (except in limited circumstances such as to credit bureaus, and check printing companies).

We have also disabled the capability of your TransFund Debit and ATM card from performing transactions that occur outside of the United States (many of the unauthorized withdrawals have originated in foreign countries).

Oklahoma State Bank will never request your account number, social security number, ATM or DEBIT card number, PIN, or online banking login information via e-mail.  Should you receive such a request DO NOT RESPOND TO IT.  Do not enter any personal information into a “pop-up” when visiting a web site or opening your e-mail.

Our Security Precautions:

Your online security is important to us. Working together, we can help you make your online account access secure. Recommendations under Your Role In Online Security are steps you should to take to ensure the security of your personal information while online.

Oklahoma State Bank uses a combination of firewalls, content filtering, virus protection software, and other safeguards to protect our online banking system and computer networks.

When you sign in to Online Banking, your Customer ID and Password are sent over the Internet from your computer to ours using Secure Socket Layer (SSL) technology. SSL encrypts your personal information before it leaves your computer, ensuring that no one else can read it as the information is transmitted on the web.

Once you have signed in, you can check that your Online Banking session is secure in two ways:

  • Look for the small padlock icon usually located in the lower right corner of your Web browser window. A closed padlock indicates a secure connection. testing

  • Look for the letters "https://" at the beginning of the Web site address or URL in your Web browser. The "s" means secure

Your Role in Security:

You have an important role in providing for your online security. Below are some industry standard steps on enhancing your online security that you should take:

Encryption

Check to see that you use a current version of a browser with 128 bit encryption. Encryption helps to protect information by scrambling it so that it cannot be read by anyone else. Upgrade your software to the most recent version. You should also disable any auto-complete features that your browser may be set to. This will prevent the browser software from automatically completing personal information after one or two keystrokes. Other Steps You Should Take:
  • Do not reveal your account number, social security number, ATM or DEBIT card number, PIN, or online banking customer I.D./Password to anyone; especially to unsolicited e-mails or phone calls. Your password will not be secure if you share it with others. Change it immediately if you think it has been obtained by someone else.
  • Oklahoma Sate Bank employees will not e-mail you asking for personal information. If someone from the bank calls, use Caller I.D. to verify that the call is from the bank or ask to call them back at the bank 918-256-5585.
  • Use strong passwords. It is best to memorize your passwords and not write them down. Pick a password that would be difficult for someone to guess, avoiding names, common words, and numbers such as your address. A good way to pick a strong password that is easy to remember is to pick a favorite song or verse and use the first letter of each of the first few words in the song or verse. For example, using “Oklahoma, where the wind comes sweeping down the plains” would be a password of Owtwcsdtp. Using this method of choosing a password makes it easier to remember, yet more difficult for someone to guess – note that a combination of upper case and lower case letters are used. Including numbers in the password would also enhance the strength of your password. Remember that longer passwords are more secure than shorter passwords.
  • Do not leave your computer unattended if you are in the middle of an online banking session. Always sign off before visiting other sites on the Internet or leaving the computer.
  • Clear your browser cache in order to eliminate copies of web pages that have been stored on your hard drive. How you clear your cache will depend on the browser and version you have. This function is generally found in the browser's preferences menu.
  • Use up to date anti-virus software on the computer where you access your online banking.
  • Install and use a personal firewall to prevent unauthorized access to the computer where you access online banking. The firewall in Windows XP, or from a trusted third party such as Symantec or McAfee should used.
  • Use a an anti-spyware program.  Anti-spyware helps detect and remove software on your computer that may log and send your personal information (such as passwords and account information) to a third party).
  • Update your computer with the latest security patches from your software vendor to keep your computer secure.
  • Be suspicious of e-mails, phone calls, or letters requesting personal information. Do not disclose personal information such as your social security number, bank account numbers, credit or debit card numbers, passwords, or other highly sensitive information. Oklahoma State Bank employees will not call you and ask for this information. If someone from the bank calls, ask to call them back at the bank at 918-256-5585.
  • Use caution when opening e-mails. Emails can contain viruses. Be especially wary of e-mails describing certain steps for you to perform on your computer to remove a virus – most of these are hoaxes that actually end up having you delete critical files on your computer.
  • Look out for suspicious websites. Leave websites that appear suspicious or seem to take control of your computer by popping up multiple windows or starting your e-mail function without interaction from you. If necessary, turn your computer off or disconnect your modem connection if you are unable to break out of the site and are concerned about the security of a site.
  • Destroy documents, preferably with a shredder that have personal identification information before disposing of them. Items with your name, account number, or other information could be pulled from the garbage and used to perpetrate identity theft against you.
  • Should you receive a phone call that you believe is from someone trying to perpetrate a fraud, hang up and wait ten seconds, then pick up the phone press *57 (or dial 1157 on a rotary phone). The last number that called you will be traced (it won't work if Call Waiting is triggered in the meantime). After you initiate Call Trace, a recording will let you know whether the trace is successful and provide an 800 number you can call to take legal action. Write down the time and date of the call to match up with phone records. The traced number can then be given to a law enforcement agency and the telephone company’s security department. You may need to sign up with the telephone company to make Call Trace available on your line. The phone company may charge a fee for this service.
  • Check your bank statement promptly each month. Report quickly to the bank (918-256-5585) if you believe that someone is trying to commit fraud involving your account. Save any e-mails you receive purporting to be from the bank. 
  • Need help or have questions about your information security?  E-mail us at contactus@okstatebank.com, call us at 918-256-5585, or stop in and ask us.

 

 

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