Stockmen’s Online Security Statement
RETURN TO ONLINE BANKING SIGN IN
Introduction
The Stockmen’s Bank (“Bank”) brings together a combination of industry
approved security technologies to protect data for the Bank and for you, our
customer. It features User and Password -controlled system entry, a VeriSign-
issued Digital ID for the bank’s server, Secured Sockets Layer (SSL) protocol
for data encryption, and a router loaded with a firewall to regulate the
inflow and outflow of server traffic. Although we have taken the necessary
steps to put in place a security infrastructure, you as the Online Banking
user also play an important role in protecting your accounts.
Secure Access and Verification Process
Upon enrollment for Stockmen’s Online, the Bank will assign you a
Stockmen’s Online user name (Stockmen’s Online ID) and a temporary password.
During your first time login, you’ll be prompted to change the temporary
password. See below for additional password information.
You should make your password hard to guess (avoid names, significant
dates, or other information easily guessed). You are responsible for
safekeeping your Password and User Name. You may change your Password and User
Name at any time by clicking on “options” during your Online Banking session.
For security purposes and your protection, the Bank recommends that you change
your password every 90 days. You agree not to disclose or otherwise make your
Password or User Name available to anyone not authorized to sign on your
account.
In order to ensure the security of your records, we will end your online session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended while you are logged onto the Stockmen’s Online. Should this occur, simply sign on again to continue your session.
Virus Protection
The Bank is not responsible for any electronic virus or viruses that you
may encounter. We encourage our customers to routinely scan their Personal
Computers and diskettes using a reliable software product to detect and remove
any viruses. Undetected or unrepaired viruses may corrupt, destroy your
program files, data, or compromise your passwords. Additionally, you may
unintentionally transmit the virus to other computers.
Minimum System Requirements
An internet capable machine:
Microsoft Internet Explorer 5.0 or higher
Netscape Navigator 7.0 or higher
Browser Cookies enabled
Protecting Your Information
It must be at least six to eight characters in length. (Longer is generally better.)
It must contain at least one alphabetic and one numeric character.
It should not be information easily obtainable about you. This includes license plate, social security, telephone numbers, or street address.
Password Expiration:
All passwords for newly activated User Names must be changed at first
use. This way only the person assigned the User Name knows the password.
Protecting your Passwords:
To ensure security, passwords must be used carefully. These recommendations
will help protect your passwords:
Never write down your password.
Never share your Password with
anyone.
Never use your Stockmen’s Online
logon password for another purpose.
Change your password immediately if
you think it has been compromised.
You should use care to not save your Password on your computer. Some dialog boxes, such as those for remote access and other telephone connections, present an option to save or remember your password. Do not select that option.
The Stockmen’s Bank will never ask you for your password, you should never give this information out to anyone, even to a trusted source.
A Bank Employee will never need to know your Password and you should never give it to someone claiming to be a Bank Employee.
Security Tips
Keep your operating system up to date. If your computer is more than five
years old, the operating system (e.g. Windows 95, 98, etc.) may not offer the
same level of protection as newer systems. System manufacturers provide
frequent updates to help make your system more secure.
Use a current Web browser. To provide our customers with the most secure online access to their accounts, Stockmen’s Online systems requires a minimum of:
An Internet Capable Machine:
Internet
Explorer 5.0 or higher
Netscape Navigator 7.0 or higher
and browser cookies must be enabled.
New browsers, especially security updates to these
browsers sometimes are available on a monthly basis. It is recommended that
you visit your software manufactures website at:
www.microsoft.com/security
http://info.apple.com
Install a personal firewall.
Check to see if your operating system already includes a firewall prior
to purchasing a separate one. There are many firewalls available including:
Sygate Personal Firewall -Non Business Use Firewall is Free-
http://smb.sygate.com/download_buy.htm
McAfee Personal firewall:
http://us.mcafee.com
ZoneAlarm Personal Firewall -Non Business Use Firewall is Free-
http://www.zonelabs.com
Install and update anti-virus software.
Virus protection software helps reduce the risk of contracting computer
viruses that can compromise your security. These programs offer continuous
upgrades in response to the latest threats. Some of the most popular programs
are:
http://us.mcafee.com
http://www.norton.com
Activate a pop-up blocker.
Several
free, publicly available programs exist that will block all pop-up windows
from occurring while you are online. Perform an Internet search for “pop-up
blocker” or look at the options provided by major search engines. Here are
some of the leading companies:
http://toolbar.google.com/
http://toolbar.msn.com/
http://toolbar.yahoo.com/
If you have activated the pop-up blocker, please be aware the system
“time out” warning message will also be blocked and the final screen will
remain visible on your monitor.
Scan your computer for spyware regularly.
You can eliminate potentially risky pop-up windows by removing any
spyware or adware installed on your computer. Spyware and adware are programs
that look in on your Web viewing activity and potentially relay information to
a disreputable source. Perform an Internet search for “spyware” or “adware” to
find free spyware removal programs. You should confirm that these programs are
from legitimate companies before downloading. As with a pop-up blocker, you
will want to be sure that your removal program is not blocking, or removing,
wanted items, and if it is, consider turning it off on some Web sites.
Use secure Web sites for transactions and shopping.
Be sure the Web page you are viewing offers encryption of your
data. Often you will see a lock symbol in the lower right-hand corner of your
browser window, or the Web address of the page you are viewing will begin with
“https://”. The “s” indicates “secured” and means the Web page uses
encryption. The Stockmen’s Bank, for instance, provides 128-bit encryption –
the highest level commercially available today.
Avoid downloading programs from unknown sources.
Downloads from unfamiliar sources may contain hidden programs or
viruses that can compromise your computer’s security.
Your Liability
Notify us AT ONCE if you believe your Password or User Name has been
compromised, lost, or stolen. Telephone us immediately at (866) 350-1407
between 7:00 a.m. Mountain Standard Time and 6:00 p.m. Mountain Standard Time
or the next business day (Monday through Friday). If you notify us within two
(2) business days, your maximum liability is no more than $50.00 if someone
used your Password without your permission. If you do NOT notify us within two
(2) business days after you learn of the loss, and information is available
evidencing that we could have prevented someone from using your Password
without your permission if you had notified us, your maximum liability is
$500.00. Without a notification, your liability could be the total balance in
your account (plus your maximum overdraft line of credit).
If your statement shows transactions that you did not make, notify us at once. If you do not notify us within sixty (60) days after the statement was mailed, you risk not being refunded any funds lost after the sixty (60) days if information is available evidencing that we could have prevented someone from taking the funds if you had notified us in time. If a valid reason (such as a long trip or hospital stay) kept you from notifying us, we may extend the time period. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call, write or e-mail the Bank immediately.
Business Days
Every day is a business day except Saturday, Sunday, and Federal Holidays.
Cut off times
The following times are designed as cutoff times pertaining to specific
Online Banking Transactions. Transactions received after the cutoff time will
be processed the following business day.
Funds Transfers 6:00 p.m Arizona Time
Automated Clearinghouse Entries 1:00 p.m. Arizona Time
Wire Transfers 2:00 p.m. Arizona Time
Stop Payments 6:00 p.m. Arizona Time
Bill Payment 10:00 a.m. & 11:00 p.m. Arizona Time
The Stockmen’s Bank Liability
IN NO EVENT WILL THE STOCKMEN’S BANK OR ITS STOCKMEN’S ONLINE THIRD PARTY
PROVIDER, BE LIABLE TO THE CUSTOMER FOR ANY DAMAGES, INCLUDING LOST PROFITS,
LOST SAVINGS OR OTHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL
DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE PROGRAM AND
DOCUMENTATION, OR FOR ANY CLAIM BY ANOTHER PARTY. THE STOCKMEN’S BANK’S DUTIES
AND RESPONSIBILITIES IN CONNECTION WITH ACH AND WIRE TRANSFERS ARE LIMITED TO
THOSE DESCRIBED IN THIS AGREEMENT. THE STOCKMEN’S BANK WILL BE DEEMED TO HAVE
EXERCISED ORDINARY CARE AND TO HAVE ACTED REASONABLY IF THE STOCKMEN’S BANK
HAS ACTED IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT AND WILL BE LIABLE
FOR LOSS SUSTAINED BY CUSTOMER ONLY TO THE EXTENT SUCH LOSS IS CAUSED BY THE
STOCKMEN’S BANK’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. THE STOCKMEN’S BANK
WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES,
REGARDLESS OF THE STOCKMEN’S BANK’S ACT OR OMISSION. THE STOCKMEN’S BANK WILL
HAVE NO LIABILITY FOR ANY LOSS OR DAMAGE:
- RELATED TO THE DISHONESTY OF THE CUSTOMER’S EMPLOYEES, OFFICERS OR AGENTS;
- RESULTING FROM ANY RECEIVING FINANCIAL INSTITUTION’S FAILURE TO ACCEPT ANY ACH OR FUNDS TRANSFER REQUESTS;
- RESULTING FROM ANY DELAY IN THE PERFORMANCE OF THIS AGREEMENT, WHICH IS CAUSED BY AN ACT OF GOD, FIRE OR OTHER CASUALTY, ELECTRICAL OR COMPUTER FAILURE, DELAYS OR FAILURE TO ACT BY ANY CARRIER, MEDIUM OR AGENT OPERATING BETWEEN THE STOCKMEN’S BANK AND THE CUSTOMER OR BETWEEN THE STOCKMEN’S BANK AND THIRD PARTIES OR ANY OTHER CONDITION OUTSIDE THE STOCKMEN’S BANK’S CONTROL. NO THIRD PARTY WILL HAVE RIGHTS OR CLAIMS AGAINST THE STOCKMEN’S BANK UNDER THIS AGREEMENT. THE TERMS OF THIS SECTION WILL SURVIVE TERMINATION OF THIS AGREEMENT.
In Case of Errors or Questions
The Stockmen’s Bank or onlinesupport@stockmensbank.com
Attn.: Online Banking Manager or Toll Free (866) 350-1407
3825 Stockton Hill Road
Kingman, AZ. 86409
