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With proper safety measures in place, your Online Banking transactions remain confidential and safe. The following measures have been taken to ensure your privacy:
Unique ID and password - In order to access Palos Bank and Trust's Online Banking, you must enter a unique User ID and password.
Palos Bank and Trust allows you to choose a "pseudo name" for each of your accounts. For example, Checking, Payroll, Money Market, etc. If you are logged on to Online Banking but do not use it for 10 minutes, you will not be able to proceed until you "re-log" onto the system. To keep unauthorized individuals from accessing your account by guessing your password, we have instituted a password lockout system. If your password is entered incorrectly three consecutive times, the user is "locked out" of the system. You must contact the bank for your account to be reset and the system to become "unlocked".
The latest encryption technology ensures that your confidential account information cannot be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right "key." When you request information about your accounts, the information is sent across the web in an encrypted format to Palos Bank and Trust. We decode your request and send the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.
In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.
While Online Banking works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Online Banking account information is protected, including:
| | • | Keep your password to yourself. | | | • | Change your password frequently (the system requires a change every 180 days). | | | • | Remain at your computer until your Online Banking transactions are completed and log out. Log out of Online Banking prior to visiting other Internet sites. | | | • | If you notice suspicious or unusual activity on your Online Banking accounts, call (708) 448-9100 during regular business hours. | | | • | Do not change your "pseudo name" for your Online Banking accounts to the numeric account numbers. |
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