Standard Online Banking Security Measures
Why Security is Important
In the information age Summit Bank of Kansas City has a commitment to protect your information. While our privacy policies are the same whether you are online or not we have extra measures in place to protect your privacy when you bank online with Summit Bank of Kansas City.
Satisfying our customers’ financial needs in a secure manner and helping them succeed financially has been a cornerstone of Summit Bank of Kansas City since we first opened our doors. At Summit Bank of Kansas City, protecting our customers and their information is a top priority — one that we take very seriously,
We continue to enhance our systems and processes as online services evolve. Because no single solution can ensure online security, we have developed a layered security approach with industry-leading solutions.
We have two major objectives in selecting the right electronic safeguards.
Security, quite simply, protects the confidentiality of our account information and prevents theft of your financial assets.
Internet Security Overview
It is important to verify that only authorized users log into our Online Banking System. We use multi-layered security, including password-protected verification to ensure user authorization. We limit the number of times you can enter your password incorrectly. We monitor and record incorrect login attempts to detect suspicious activity, such as someone trying to guess your password. You play a crucial role in preventing others from logging onto your account. Never use “weak” passwords that are easy to guess. Examples of poorly crafted passwords are birth dates, first names, pet names, addresses, phone numbers, and social security numbers. Never reveal your password to another person. You should periodically change your password, which is an option within our Online Banking system.
Our Enhanced Login Security provides additional peace of mind when using Summit Bank of Kansas City Online Banking. Enhanced Login Security strengthens security and protects against online fraud by requiring an additional authentication “factor” beyond your ID and password each time you login to Online Banking. This additional layer of security is a browser-based secure cookie, a piece of information that is stored on your computer and is recognized by our system when you login.
We also “time out” an Online Banking session after a specified period of inactivity. This keeps others from viewing or continuing Online Banking activity if you leave your PC unattended. However, we recommend that you always sign off (log out) when you have finished your online banking.
Messages sent by e-mail may not be secured, may be intercepted by third parties and may not be immediately received by the appropriate department at Summit Bank of Kansas City. Please do not use e-mail to send us communications that contain confidential information, which we require in writing or which need our immediate attention. Please call us instead at (816) 251-9000. Be aware that a “receipt” acknowledgment on an e-mail message means only that the message has routed into the Internet, not that the message has been received by Summit Bank of Kansas City. Urgent or confidential matters should be addressed via phone or in person. Written authorizations should be provided by U.S. mail, private delivery service (i.e. overnight delivery), or in person.
The links in the website will let the user leave the Summit Bank of Kansas City site. The linked sites are not under the control of Summit Bank of Kansas City, and Summit Bank of Kansas City IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links are provided as a convenience to users. Access to any other Internet sites linked to this website is at the user’s own risk. The inclusion of any link does not imply a recommendation or endorsement by Summit Bank of Kansas City or the linked site.
Secure Tokens are devices issued to certain Personal Online Banking and Business Online Banking customers who conduct monetary transactions that buy their natures are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds which must be entered in order to complete transactions.
Read More about Business Secure Tokens.
Read More about Personal Secure Tokens.
Bank Expectation of Customer Responsibilities
The security systems that are in place, however, cannot protect those customers who do not follow secure and proper computer practices. It is vitally important that customers take all necessary precautions such that their computer access credentials are not compromised. This includes but is not limited to avoiding any activity that increases the likelihood of identifying theft; not opening fraudulent email messages that contain harmful viruses or malware; not falling prey to “social engineering” whereby perpetrators obtain computer access information with direct communications via phone calls, fax, or mail; not sharing user-ID and passwords with co-workers or friends; prohibiting the use of “weak” passwords; keeping computer anti-virus and similar programs up to date; and not falling prey to internet sales and get-rich-quick scams. Therefore, Summit Bank of Kansas City has the expectation that each customer will take any and all reasonable precautions to reduce the likelihood of computer related fraud and the resulting financial losses.
Revised Date: October 18, 2010.