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Protecting your Online Banking Account

First Century Bank recommends that you NEVER share your personal Online Banking information, including your login and passwords. First Century Bank will never contact you in an attempt to update your Online Banking credentials. If you suspect that someone knows your Online Banking information, you may change your password and security watermark thru the Options tab or contact a First Century Bank representative to create a new Online Banking account.

Customers are encouraged to use anti-virus software and/or firewalls that may help protect against unauthorized computer hacking. If you think you have a virus or some other harmful program on your computer, do not access any website that may have your personal account information. It may also be necessary to run software that can “clean up” your computer or you may need to contact a computer specialist for assistance. Customers are also urged to keep their anti-virus and/or firewalls current. If your computer has been affected, change your Online Banking passwords immediately or contact a First Century Bank representative to create a new Online Banking account.

Customers who access their account information via their mobile phone will also need to consider precautions such as upgrading the phones firmware, utilizing anti-virus software and/or firewalls where available and avoid sharing access of account information with others.

SSL Protocol – Online Banking access requires you to use a web browser that uses SSL protocol. SSL stands for Secure Socket Layer, which lets one computer verify another’s identity to allow secure connections.128-Bit Encryption – To ensure the highest level of security, we require that all users have browsers that support 128-bit encryption. We use the latest encoding technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in the code, which can be decoded later with the right “key”. When you request information about your accounts, the request is sent encrypted to First Century Bank. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it.Firewalls – A Firewall is a specially programmed computer that connects a local network to the Internet and, for security reasons, lets only certain kinds of messages in and out.PIN Security System – To keep unauthorized individuals from accessing your account by guessing your Personal Identification Number (PIN), we have instituted access limitations. If your PIN is entered incorrectly three consecutive times, the user is “locked out” of the system. To get “unlocked”, contact First Century Bank’s Accounts Services during normal business hours and they will unlock your account and reset your PIN.Automatic Log-Off – If you are logged on, but do not perform any activity for 10 minutes, you will not be able to proceed until you “re-log” on to the system.Pseudo Names – When you use internet banking you will be able to change the names of your accounts. These pseudo names overwrite your account number so you have easy recognition of your accounts.

Disclaimer – Additional charges may apply for internet usage depending on your wireless carrier. Please contact your wireless provider/carrier for detail on correlated rates and charges. All terms and conditions applicable to online banking may apply to mobile banking.