Online Security

The Killbuck Savings Bank is constantly developing and implementing security enhancements to ensure the integrity of our online banking system. Our goal is to protect the confidentiality of your account and personal data and comply with all applicable banking regulations relating to the safeguarding of your data. The use, collection, and retention of client information is detailed in our Privacy Policy; however, there are certain topics related specifically to online banking we would like to share with you.

Online Banking Security Guidelines

  • Create a strong unique banking password comprised of 8 alphanumeric characters.
  • Protect your PINs (don't carry them in your wallet!) and passwords; use an 8-digit combination of letters, numbers and symbols for your passwords and change them periodically.
  • We do not recommend using the "remember password" feature on web pages.  Especially when using public computers and public internet.
  • Remember to sign-off when you are finished banking online or leave the room for a few minutes.
  • Avoid downloading programs from unknown sources on the internet and always use anit-virus and/or Antimalware software on your computer.
  • Cookies:  A cookie is a small information file that a Web site puts on your hard drive in order to remember something about you later. Typically,
    a cookie keeps track your preferences when using a site. By using cookies, an on-line store, like Amazon, can keep track of what items you have placed in your shopping
    cart as you surf the site. If you'd like, you can view the cookies that have been placed on your hard drive. The location of the cookies however, generally depends on your
    browser. Internet Explorer stores each cookie as a separate file under a Windows subdirectory, whereas Opera stores them in a single cookies.dat file.
    In Internet Explorer, you can delete cookies by clicking on "Tools," scrolling down to "Internet Options," and clicking "Delete Cookies." An Internet site will generally use one of the two following types of cookies:
    Session cookies -
    Session cookies are stored on you hard drive only during the time that you are at a particular site. They are automatically deleted when you terminate your session. A Web site will use session cookies to assist with navigation by remembering what pages a user has already visited, or whether or not a user has logged-in to the site. Secure Florida uses session cookies.
    Persistent cookies - Persistent cookies store on your personal preferences on your computer for an extended period of time. Most browsers will allow you to configure how long you would like to keep persistent cookies. If a malicious hacker were to gain access to your computer, they me able to gather personal information about you from stored persistent cookies.
    It may be a good idea to consider adjusting your privacy and security settings to block or limit cookies in your web browser. In Internet Explorer, you can get to both of these settings by clicking on "Tools," and selecting "Internet Options." The "Privacy" and "Security" tabs should appear at the top of the options menu

Fraud Protection

"Phishing" is a method developed by scammers and hackers to get unsuspecting victims to reveal their personal information and is a contributing factor to the rise in identity theft. The most common method of phishing involves cleverly designed e-mails which claim to be from reputable companies with whom the recipient may or may not have a relationship. The bogus e-mail requests the recipient to confirm personal information such as client ID, passwords, account numbers, etc. The e-mail may instruct you to "update" or "validate" your personal information via email or direct you to a phony web site that looks like a legitimate web site.

The Killbuck Savings Bank Co. wants you to know that we will never request any personal private information from you via the internet or e-mail. If you receive such a request in an e-mail, notify The Killbuck Savings Bank immediately at 330-276-4881.

Tips to Avoid Becoming a Victim of Identity Theft

  • Carefully review your monthly accounts, credit card statements and utility bills (including cellular telephone bills) for unauthorized charges as soon as you receive them. If you suspect unauthorized use, contact the provider's customer service and fraud departments immediately.
  • When you order new checks, ask when you can expect delivery. If your mailbox is not secure, then ask to pick up the checks at your financial institution instead of having them delivered to your home.
  • Keep a list of all your credit cards and bank accounts along with their account numbers, expiration dates, and credit limits, as well as the telephone numbers of customer service and fraud departments. Store this list in a safe place.
  • Keep your Social Security number out of circulation and release it only when necessary.
  • Never give your Social Security number, account numbers or personal credit information to anyone who calls you.
  • Store personal information in a safe place and shred or tear up documents you don't need.
  • Destroy charge receipts, copies of credit applications, insurance forms, bank checks and statements, expired charge cards and credit offers you get in the mail before you put them out in the trash.
  • Cancel your unused credit cards so that their account numbers will not appear on your credit report.
  • Tear up receipts, bank statements and unused pre-approved credit card offers and convenience checks before throwing them away.
  • Keep track of credit card, debit card and ATM receipts.
  • Never throw them in a public trash container. Tear them up or shred them at home when you no longer need them.
  • Choose to do business with companies you know are reputable, particularly online.
  • When conducting business online, use a secure browser that encrypts or scrambles purchase information and make sure your browser's padlock or key icon is active.
  • Don't open e-mail or download content from unknown sources.  To ensure that your computer is protected from malware and harmful viruses, always use the most up to date anti-virus detection software available.

  • Order a copy of your credit report from the three credit reporting agencies every year and make sure all the information is correct, especially your name, address, and Social Security number. Look for indications of fraud, such as unauthorized applications, unfamiliar credit accounts, credit inquiries and defaults and delinquencies that you did not cause.
  • Check your Social Security Earnings and Benefits statement once each year to make sure that no one else is using your Social Security number for employment.

 

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