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Citizens Independent Bank employs the latest technology available to keep your online banking with us safe and sound. Our online banking services are routinely audited to ensure they comply with current banking regulations. While our Privacy Policy outlines the use, collection and retention of client information, the following information may help maximize the security of your online banking experience.

Online Account Security

Every effort is made to ensure that your account information is protected from unauthorized access. For questions regarding security, please call 952-915-8525 and ask for an Online Banking Specialist.

Security Features

• All online banking data transmitted to us is encrypted, helping to make the data useless if intercepted. This secure connection is established before a User ID and Password can be transmitted.
• Account numbers are not visible through Online Banking. Instead, a “Pseudo Name” is used to represent each account.
• Password guessing (brute forcing) is prevented with an account lockout feature. Our systems will automatically lock a user out when an incorrect password is entered multiple consecutive times.
• Users are required to update their password periodically in order to minimize the risk of unauthorized access.
• The date of last access to the system is displayed after logging in so that users can verify that no one else has used their account.
• All Online Banking sessions have a time limit for inactivity, which will log a user out of the system in order to prevent someone else from accessing their information.

Security Guidelines

The following information can help keep your confidential information safe while using our online banking services. While we maintain a high level of security on our systems, we are not responsible for any breach of security that is beyond our control.

Online Banking

• Do not share your login information with anyone else. If you think your information has been compromised, change your password immediately online and call us at 952-915-8525.
• Choose a hard to guess password by using random letters, numbers and symbols. Do not use words that can be found in a dictionary, or information related to you such as your name, address, birth date, etc.
• Disable any “AutoComplete” or similar features on any computer you use for online banking.
• Do not write down your password or reveal it to anyone, including bank associates.
• Remember to log out when you are finished banking online, or are leaving the computer unattended.
• Avoid using unfamiliar computers to conduct any online banking, as they may be compromised.
• Avoid using regular e-mail to share information about your account with Citizens Independent Bank; instead, contact us through the secure Message Center available within Online Banking

Personal Computer

• Learn to use built-in security features that are provided with your Internet browser instead of disabling them.
• Keep your system and applications current with updates from the vendor’s website. For example, use Microsoft’s Windows Update feature and install any Critical Updates and Service Packs that are available.
• Use virus and spyware protection software and keep it up-to-date in order to detect new threats.
• Use a software or hardware firewall to protect your computer from network intrusion.
• Make sure that any wireless network you connect your computer to is secured and requires encryption.
• Do not download files, install software, or open email attachments from unverified or unknown sources.

Fraud Prevention

Citizens Independent Bank does not solicit personal information by means of email or telephone. If you receive an email or phone call requesting confidential information from someone claiming to represent Citizens Independent Bank, do not respond to the message. If you receive an unsolicited request for confidential information by phone or email from someone claiming to be an associate of the bank, please inform Citizens Independent Bank immediately by calling 952-915-8525.