Computer Security

IBC Bank makes every effort to provide the highest level of confidentiality and security to protect the account and personal information of our customers.

IBC Online Banking Security Features include:

Encryption technology (Secure Socket Layer or SSL) scrambles information as it passes across the Internet.
The system will allow you to set up security alerts. These notifications will let you know when certain security events
happen.
Only messages from specified sources (accessed only by authorized IBC Bank representatives) are allowed into the system.
Private User ID, Password, and Secure Access Code are required to access My IBC Bank Online.
My IBC Bank Online session will be automatically terminated if there is no fifteen-minute activity.
Repetition of the login process is required for reconnection
Enhanced Security Program

After a wrong user ID and Password are entered at Sign On for the third time, the user ID is automatically locked out, and contact with an IBC Bank representative is required to reset the password for that user ID.

How You Can Protect Yourself
Because you can control the information you choose to release, you are the first line of defense in protecting your personal information. Some easy ways of accomplishing this are by keeping anything with any individual or account information in a safe place, providing your information only to trusted sources, and reducing the amount of mail you receive with your information on it.

It's okay to be suspicious when providing your personal information. If you can't verify the legitimacy of the business or person to whom you may be providing your information, or if you don't understand why a particular piece of information is needed, you may want to reconsider continuing with that transaction.

Secure Your Computer
You don't have to be an expert with computers to protect yourself online from online fraud and identity theft. There are many products available that will help you prevent criminals from gaining access to your computer and stealing your personal information. You can begin by installing anti-spyware, anti-virus, and a personal firewall on your computer. An adequately protected computer will provide you with secure access to your financial information and fight the efforts of criminals trying to gain access to your private information. There are some simple steps that you can take to secure your information and drastically reduce your risk of falling victim to online threats.

We recommend using available security programs to help protect your personal information anytime you are online. An adequately protected computer provides for a safer online experience.

Anti-spyware protection
Ensure your computer has an anti-spyware protection program that detects and removes all spyware that can steal vital information. Use this program to scan your computer frequently. Many software companies offer software that will protect you from various spyware threats and provide customer service if you have questions. To keep up with any new threats, keep your anti-spyware program updated.

Anti-virus protection
Make sure your computer has an anti-virus protection program that detects and removes viruses. Software from significant providers will protect you from various threats and provide customer service if you have questions. Be sure always to keep your anti-virus program updated.

Firewall
Add a firewall to your computer system. A firewall refers to several security services that prevent unauthorized users from gaining access to a computer or that monitor transfers of information to and from the computer.

Operating System & Software Updates
Install all software fixes (sometimes called "patches" or "service packs") that are made available for your computer programs as soon as possible, primarily if the fix addresses a security hole. All programs, such as your Windows, Mac, or Linux operating systems, must be updated occasionally.

Use a current Web Browser
Newer browsers are being deployed with your security in mind.

Activate a Pop-up Blocker Install and activate a pop-up blocking tool. Pop-ups can be more than an annoyance. Safety Tips: IBC Bank is dedicated to doing more by ensuring that your accounts remain secure, and your personal information remains private. Below are a few simple tips that will help you feel comfortable when you bank with us, as well as give you some peace of mind in all of your online transactions.

Personal Information Protection

Reduce the amount of mail you receive that displays personal information when possible.
Make copies of all the information that you carry daily and keep it in a secure place.
Be cautious of telephone and door-to-door solicitations.

Personal Computer Usage
Your PC is your first line of defense on the Internet, and with just a couple of tools and some diligence, you can significantly improve your security.

Ensure your computer has an anti-virus program, anti-spyware, and a firewall, and keep them up to date. Some phishing attacks contain software that can harm your computer or track your activities on the Internet without your knowledge.
Be very protective of your personal and account information. Some criminals create websites that look similar to real sites. The best way to know who you are dealing with is to type the address in your browser address bar.
If you initiate an online transaction and are required to provide personal data, look for indicators that the website is secure, like the "https" in the URL (the "s" indicates a secure connection) or the padlock icon. If you double-click the padlock, you should find valid Verisign Certificate information issued to the business website that you are on. While these indicators do not ensure the site's or your data's security, sites without them should be avoided. It would be best to verify that the URL of your visiting site is displayed accurately in the address bar.
Report all "phishing" attacks at once. Notify the FBI by filing a complaint on their website at the Internet Crime Complaint Center and forward the email to spam@uce.gov (Federal Trade Commission)

Email

Do not reply to unsolicited emails, pop-up messages, or phone calls asking for personal and financial information.
Question suspicious emails. We will never send you an email asking for your online ID, password, or other personal information.
Do not click on any email link if you suspect the message is fraudulent, not even to "unsubscribe." Instead, call the business using the number on the back of your card or your monthly statement to confirm the legitimacy of the email.

Eliminate Paper

Receiving and storing your bank statements electronically is considered to be an essential step in preventing fraud/identity theft.
eStatements are FREE with IBC Bank Online!
Use Direct Deposit to have paychecks, dividends, and other recurring credits deposited directly to your account.

Online Banking

Use Online Banking with Bill Pay to ensure secure access to your accounts
Monitor your account activity frequently to detect fraud early