The Bank of Union uses the most advanced security available on the Internet today. The same level of security used in our branches and ATM machines is also employed in our Internet Banking product. All sensitive information is encrypted and online access requires a Personal User ID and a password known only to you. (Note: Only valid account-holders should know the Internet Banking User ID and Internet Banking User Password)
Designed and tested with and by industry experts, The Bank of Union Internet Banking state-of-the-art technologies will protect your information.
Government regulators oversee all of our banking operations including Internet Banking. In addition, government agencies regularly audit our operations to ensure we comply with the best business practices and the law.
Besides the security measures already mentioned, we employ internal bank controls to ensure optimum security for your Internet Banking.
About Security
At The Bank of Union, we recognize security concerns and we are serious about security issues. In addition to our high security standards offline, we incorporate many security tiers into The Bank of Union Internet Banking system. Every possible effort is made to ensure that your account information is protected from unauthorized access. For questions regarding security issues, please call (405) 262-6577 and ask for the Internet Banking Department.
SSL and Firewalls
The Bank of Union Internet Banking is accessed through a Secure Socket Layer (or SSL). This means all data transmitted to or from The Bank of Union’s computer systems is encrypted using the most sophisticated security available to protect your money and privacy. Several firewalls exist to prevent unauthorized access to the system and to ensure your information is accessible only by using a correct Internet Banking User ID and Internet Banking User Password.
Security Software on Processing System
The Bank of Union Internet Banking is a secure area. No one can view, obtain, or intercept information from this secure area without a proper Internet Banking User ID and Internet Banking User Password.
Netscape Navigator: Upon entering https://www.netteller.com/bankofunion/ users with older versions of Netscape will find a key in the lower left corner switching from broken to a complete key indicating a secure connection. On newer versions of Netscape a lock in the lower right corner will switch from open to closed. The key will remain complete or the lock will remain closed as long as you remain in The Bank of Union website or if you log into NetTeller using your User ID and User Password.
Microsoft Internet Explorer: Upon entering https://www.netteller.com/bankofunion/ users will find a completely closed lock in the lower right corner indicating a secure connection. The lock will remain closed as long as you remain in The Bank of Union website or if you log into NetTeller using your User ID and User Password.
In addition all URLs in The Bank of Union website will begin with https://www.netteller.com/bankofunion/. All URLs in NetTeller will begin with https://www.netteller.com/bankofunion/. Note that all of these URLs begin with https instead of http. This indicates that a secure connection has been made with the server.
Note: You may receive a message to change your browser settings when requesting a document from a secure area. Follow your browser instructions.
Protecting Information Online
It is very important that only you know your User ID and Password. This is the only way your account may be accessed. Three (3) unsuccessful attempts will lock out the User from accessing their account. If a user becomes locked out, he/she must call the The Bank of Union Internet Banking Department at (405) 262-6577.
Email Solicitation
The Bank of Union does not solicit information (SSN, account numbers, credit card numbers, passwords, etc) by means of email. If you receive an email requesting confidential information from someone claiming to represent The Bank of Union, do not respond to the email. Please call (405) 262-6577 to report any solicitation of this kind that you receive.
Account Numbers Not Visible
Your account numbers are not visible Online and can not be found anywhere on The Bank of Union Online Banking. A "Pseudo Name" is used in place of an account number to maximize the security of your Online Banking experience.
Automatic Log Off
After a ten-minute period of inactivity, the system will automatically log you off and force you to re-enter your User ID and Password.
Upgrades
We are constantly upgrading our system to include the most recent Internet Security Features. Suspect reports are generated daily to monitor and ensure that no one is attempting to log in to your account that shouldn't have access.
Your Role in Security
- Choose a good User Password! You should carefully select a User Password that is hard to guess and never use a word that can be found in the dictionary.
- Memorize your User Password! Even the best password is worthless if it's written on a note attached to your computer or an entry in your checkbook.
- Don't share your Internet Banking User Password with anyone else. Your User Password is designed to protect the privacy of your banking information, but it will only work if you keep it to yourself. If you think your User Password has been compromised, change it immediately online and immediately contact the Bank. Call us at (405) 262-6577 or send us a note using the tab labeled Contact Us near the top of our web page.
- Change your User ID and User Password as often as you wish. (We recommend changing your User Password at least once each month.)
- Don't leave your computer unattended during a NetTeller session - click on "exit" to end your session.
- Once you have finished conducting your banking on the Internet, always sign off before visiting other Internet sites.
- If anyone else has access to your computer, clear your browser's cache in order to eliminate copies of Web pages that have been stored on your hard drive.
- Avoid using Public Internet Access Terminals when conducting your Internet Banking.
Internet (Online) Banking Security Precautions
Recently, The Bank of Union ("Bank") has seen significant changes in the internet banking threat landscape. Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise authentication mechanisms and gain unauthorized access to customers' online accounts. Rapidly growing organized criminal groups have become more specialized in financial fraud and have been successful in compromising an increasing array of controls. Various complicated types of attack tools have been developed and automated into downloadable kits. Fraudsters are responsible for losses of hundreds of millions of dollars resulting from online account takeovers and unauthorized funds transfers. The Bank is providing the below security awareness information for your use and action to help protect your online account and transaction information.
Below are the protections and liabilities for consumer transactions using The Bank of Union's Internet Banking program:To access our Internet Banking service, you must use the ID and/or other means of access we establish or provide for your Internet Banking Customer Account together with a PIN. It is your responsibility to safeguard the ID and PIN we provide. Anyone to whom you give your Internet Banking ID and PIN or other means of access will have full access to your accounts even if you attempt to limit that person's authority.
You, or someone you have authorized by giving them your Internet Banking ID and PIN or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:
- Make transfers between your qualifying accounts to the extent authorized;
- Obtain information that we make available about your qualifying accounts;
- Obtain other services or perform other transactions that we authorize (e.g. bill payments).
You must have enough money or credit in any account from which you instruct us to make a payment or transfer. You also agree to the Terms & Conditions of your deposit account that you received when you opened your deposit account.
STATEMENTS
Your Internet Banking payments and transfers will be indicated on the monthly or quarterly statements we provide. Please notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.
UNAUTHORIZED TRANSACTIONS OR LOSS OF THEFT OF YOUR INTERNET (ONLINE) BANKING ID OR PIN
If you believe your Internet (Online) Banking ID or PIN or other means of access have been lost or stolen, or that someone has used them without your authorization, call us immediately at (405) 262-6577, during normal business hours. After hours you may notify us by: *going to the "Contact Us" tab on our Website and completing the information in the box provided; *or if you are in Online Banking, just click on the word "Contact" at the top right side of your screen, at which time a "Message Center" screen will pop up, click on "new" to input your information; or write us at The Bank of Union, 2000 South Country Club Road, El Reno, OK., 73036. Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations. We will send an e-mail back to you as confirmation that we did receive it. Because e-mail may not be secure, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we will need. If you have given someone your Internet Banking ID and PIN or other means of access and want to terminate that person's authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person.
You may terminate your Internet Banking Agreement at any time upon giving the Bank written notice of the termination. If you terminate, you authorize us to continue making transfers you have previously authorized until we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your Internet Banking Account. If we terminate your use of your Internet Banking Account, we reserve the right to make no further transfers of payments from your account including any transactions you have previously authorized.
You are responsible for all transfers you authorize using the Internet Banking services under your Online Banking Agreement. If you permit other persons to use your Access Code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Access Code and gained entry to your accounts without your authority. Telephoning is the best way of keeping your possible losses down.
Consumer Accounts. The following three paragraphs apply only to consumer accounts (an account belonging to a natural person and used primarily for personal, family, or household purposes):
For Internet Banking transactions for consumer accounts, if you tell us within 2 business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within 2 business days after you learn of the unauthorized use of your account or Access Code, and we can prove that we could have prevented the unauthorized transaction(s) if you had told us in time, you could lose as much as $500 or more. Also, if your statement shows Internet Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days of the mailing date of your statement, you may be liable for the full amount of the loss if we can prove that we could have prevented the unauthorized transactions if you had told us in time. Should some emergency such as extended travel or hospitalization prevent you from contacting us, a reasonable extension of time will be allowed.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account.
If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.
Limitation of Liability for Internet Banking Services. The Bank's sole responsibility for an error in a fund transfer or bill payment will be to correct the error, but in no case shall the Bank be liable for any indirect, punitive, special, incidental, or consequential damages (even if you have informed us of the possibility of such damages). You agree that neither we nor the service providers shall be responsible for any property damage or loss, whether caused by the equipment, software, the Bank, or by Online browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Neither we nor the service providers will be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Bank Internet Banking services or Internet Browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Bank Internet Banking Services, and may have referred to such communication as "secured," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusions or limitation of such damages, our liability is limited to the extent permitted by applicable law.
Additionally, the Bank will not be liable for the following:
- If, through no fault of ours, you do not have enough money in your account to complete a transaction, your account is inactive or closed, or the transaction amount would exceed the credit limit on your line of credit.
- If you used the wrong Access Code or you have not properly followed any applicable computer, Internet, or the Bank user instructions for making transfer and bill payment transactions.
- If your computer fails or malfunctions or the Internet Banking service was not properly working and such problem was or should have been apparent when you attempted such transaction.
- If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you.
- If circumstances beyond our control (such as fire, flood, telecommunications outages, strikes, equipment or power failure) prevent the transaction.
- If the funds in your account are subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud.
- If the error was caused by a system beyond the Bank's control such as a telecommunications system, or Internet service provider.
- If you have not given the Bank complete, correct, or current information so the Bank can process a transaction.
Billing Errors. In case of errors or questions about your Internet Banking transactions, telephone us at the phone numbers or write us at the address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.
- Tell us your name and account number.
- Describe the transaction you are unsure about, including the transaction confirmation or reference number if applicable, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
Other important information all Online banking customers should keep in mind:
- The Bank will never contact any customer and request electronic banking credentials. If you get a call asking for your credentials, hang up and call us!
- If you are a Bank commercial online banking customer we suggest you periodically evaluate the possible risks to your account. Some key areas to check are:
- Who has access to the Internet banking PC and credentials?
- Is (Are) the Internet banking PC or PCs secured after normal business hours?
- Do you have up to date antivirus and anti-malware software on the PC?
- How often do you change the Internet banking password and who knows the password?
- Is there a firewall active on your PC?
- The Bank strongly urges each business customer to perform a periodic risk assessment of their own electronic activity (e.g. online transfers, bill payments, cash management files, etc.) including a review of who has access to, and authority over, electronic activity and devices (as well as when dual control should be in place).
- Tips to Reduce the Risk in Internet Banking?
- Block cookies on your Web browser: When you surf, hundreds of data points are being collected by the sites you visit. These data get combined together to form an integral part of your "digital profile," which is then sold without your consent to companies around the world. By blocking cookies, you'll prevent some of the data collection about you. Yes, you'll have to enter passwords more often, but it's a smarter way to surf.
- Don't put your full birth date on your social-networking profiles: Identity thieves use birth dates as cornerstones of their craft. If you want your friends to know your birthday, try just the month and day, and leave off the year.
- Don't download Facebook apps from outside the United States: Apps on social networks can access huge amounts of personal information. Some unscrupulous or careless entities collect lots of data and then lose, abuse, or sell them. If the app maker is in the U.S., it's probably safer, and at least you have recourse if something should ever go wrong.
- Use multiple usernames and passwords: Keep your usernames and passwords for social networks, online banking, e-mail, and online shopping all separate. Having distinct passwords is not enough nowadays: if you have the same username across different Web sites, your entire personal, professional, and e-commerce life can be mapped and re-created with some simple algorithms. It's happened before.
- Internet Banking Problems, Concerns, or something doesn't look right? Call us at (405) 262-6577.
Important Note: While we continue to do everything possible to ensure the security of our system, we are not responsible for any breach of security that is outside of our control.
