Online Banking Security
At Bank of Prescott your Privacy and Security is our number one priority.
We are committed to protecting your privacy and providing utmost security to our customers. We routinely upgrade our technology and constantly monitor our systems to provide you the highest level of protection possible.
To preserve your rights under this guarantee, read How You Can Protect Your Internet Security at the bottom of this page.
If you have questions, contact us at 870-887-2688 or visit us at 103 E 2nd St South in Prescott .
Security & You
Bank of Prescott understands that the security of your personal account information is important to you. We also understand that our continued success as a financial institution relies on both our ability to offer banking services to you in a secure manner as well as your responsibility in keeping any access codes, passwords or PINs secure. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information as it travels between your PC and Bank of Prescott. With the proper safety measures in place, your online banking transactions remain safe and secure. The following measures have been taken to ensure your privacy, as well as some steps you can take.
We use the latest encryption technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in code, which can be decoded later with the right "key". When you request information about your accounts, the request is sent encrypted to Bank of Prescott. We decrypt 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.
Personally Selected Account Names
Bank of Prescott does not display your account numbers over the Internet. Instead, we ask you to choose a "pseudo" name for each of your accounts. Example of pseudo name would be vacation account, checking account, and savings account. You can change your "pseudo" account name under the "Options" section of our online banking service.
Unique ID and Password
In order to access your accounts online you must enter a unique User ID and Password. We strongly recommend that you choose a Password that you can remember (without writing it down) but do not use information that can be easily guessed by someone. Avoid the use of birthdays, children's names, etc. Do not reveal your User ID or Password to anyone.
Three (3) strikes and you're out
If an unauthorized person attempts entry into an end user's account by trying to guess a User ID, the Bank will disable the password on the third incorrect attempt, thus invalidating the Log-In combination. If you accidentally activate this security feature by unintentionally mis-keying a password three times, you would need to call the Bank to reestablish the password for that account. For example, a common mistake made by the end user is having the CAPS-LOCK on while keying in a password. To further protect you, a timeout feature is used. This feature will automatically log you out of your current financial service session after a 10-minute inactivity period on our site.
Please remember that e-mail is not secure against interception, and you should be cautious when sending e-mail with personal information. If your information is very sensitive, or includes personal or confidential information-such as your bank account, charge card or Social Security number-you may want to contact us by postal mail or telephone.
How You Can Protect Your Internet Security
While Bank of Prescott works to protect your banking privacy, you will also play an important role in protecting your accounts. We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials. There are a number of steps you can take to ensure that your Bank of Prescott account information is protected, including:
- Keep your Password to yourself.
- Change your Password frequently.
- 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.
You can help protect yourself by implementing additional risk control processes like:
- Having current anti-malware and anti-virus software.
- Making sure you have a firewall in place when conducting your financial transactions
- Monitoring your account activity on a regular basis.
- Keep your computer’s operating security patches up to date.
- Do not access your account from public computers.
- Verify that you operating system and browser is the latest version on a regular basis.
- Please keep all third party programs up to date, such as java, adobe reader and flash player, etc.
- If you are using wireless internet inside your home, make sure that you are using the latest security standard.
Protections provided and not provided by Regulation E
Regulation E provides a basic framework that establishes the rights, liabilities, and responsibilities of participants in electronic fund transfer systems such as automated teller machine transfers, telephone bill-payment services, point-of-sale (POS) terminal transfers in stores, and preauthorized transfers from or to a consumer’s account (such as direct deposit and social security payments). The term "electronic fund transfer" (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or to debit a consumer's asset account.
All customers receive an Electronic Funds Transfer Agreement and Disclosure when opening an account. Please refer to this for what is covered and not covered. Please call Bank of Prescott if you have any questions. Also you may review the entire Regulation at https://www.fdic.gov/regulations/laws/rules/6000-1350.html#fdic6000titlexeft
When you the consumer use NetTeller and PowerPay Bill Payment to create transactions, please remember that Regulation E applies to your applicable accounts that NetTeller and PowerPay Bill Payment are linked to at Bank of Prescott. An example of an applicable account would be a checking account.
Commercial customers may want to consider performing a risk assessment and controls evaluation for their online banking users.
If you notice suspicious or unusual activity on your Online Banking accounts, call the bank immediately.
Bank of Prescott - 870-887-2688
Lost or stolen Shazam ChekCard – Call Bank of Prescott at 870-887-2688 during open hours.
Call Shazam at 1-800-383-8000 to report lost or stolen Shazam Chekcard after hours.