Small Business Bank
Small Business Bank

Security Tips

At Small Business Bank, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated user.

General Security Tips

Type your internet banking URL

Always access our internet banking by typing the correct URL (smallbusinessbank.com, or https://secure.smallbusinessbank.com/Pages/Login.aspx ) into your browser. Never click on a link in an email to take you to a website, or enter personal details either in the email or website.

Password Security

You should always be wary if you receive unsolicited emails or calls asking you to disclose any personal details or card numbers. This information should be kept secret at all times. Be cautious about disclosing personal information to individuals you do not know. Please remember that we will never contact you directly to ask you to disclose your password information.

If it sounds too good to be true...

It probably is. Don't be conned by convincing emails offering you the chance to make some easy money. As with most things, if it looks too good to be true, it probably is. Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organizations behind the emails.

PC Security

It is important to use up-to-date antivirus software and a personal firewall. If your computer uses Microsoft Windows, it is important to keep it updated via the Windows Update feature, equally if you use another operating system you should check regularly for updates. Ensure you also regularly patch Java and Adobe products. These items are frequently updated because of vulnerabilities and hacker use of those vulnerabilities to install malware on your computer. Consider using a single computer for your online banking and restrict other uses on it.

Avoid Public Wireless Internet Access

You should be vigilant if you use internet cafes or a computer that is not your own and over which you have no control. Hackers and identity thieves often monitor these networks or install malware to capture your login credentials.

Keep your identity private

Your identity can be as easily stolen offline as it can online. It is important that you comply with instructions about destroying expired bank cards. Do not write down your Username and Password and leave it next to your computer. Do not Cache your online banking passwords. Do not use the same password for online banking that you use for any other website that may be compromised and thieves now have your internet banking password. You should also consider using a crosscut shredder to destroy bank and other statements that may contain sensitive personal information. It is advisable to store retained documents in a suitable locked and fireproof container. Use a complex password that is not easily guessed. It should not contain full names or words and include special characters and be at least 8 characters long.

Check your statements

It is important to check your statements regularly; a quick check will help identify any erroneous or criminal transactions that might have been performed on your account without your knowledge.

Check for Spywares/Malware

In addition to being protected by using up-to-date antivirus software you should also regularly use software to remove spyware from your computer, as these programs record information about your internet use and transmit it without your permission. In some circumstances this can compromise your PC security. Remember current antivirus software does not catch 100% of every virus. Consider utilizing multiple programs to regularly scan your computer.

Ensure you log off properly

It is important to completely log off from your internet banking session; simply closing the window you performed the transaction in may not close the banking session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions may be performed without your knowledge. It is also advisable to close your internet browser when finished using online banking.

What we do to make your online banking session secure

We use a combination of Secure Socket Layer/Transport Layer Security (SSL/TLS) protocol, multifactor authentication, and passwords to protect your information. In addition, we monitor online events for suspicious activities.

Consumer Security Tips

Please keep in mind that we will never ask for or email you requesting your online banking password. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at (855) 635-9696.

Commercial Customer Security Tips

Small to Medium sized business and government banking accounts are being targeted by criminals every day. Every security system in place today can and has been compromised by criminals. No system that the bank has put in place can catch 100% of fraudulent attempts.

*** Commercial Accounts and Government Accounts are not covered under Regulation E. ***

In most circumstances you will be responsible for assuming the loss on fraudulent transactions. It is vital that you are following best practices:

What we expect of you:

What the Bank does:

What the Bank does not do:

While these layered processes are designed to prevent fraud. They will not catch fraud 100% of the time. You are responsible for losses incurred on commercial and government accounts. Be vigilant and monitor your account at all times.

In case of errors or questions about your electronic transfers, call us at the telephone number listed, as soon as you can.

If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at (855) 635-9696.

 
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