Privacy & Security
Your choice to do business with us is an important decision. While information is critical to providing quality service, we recognize that one of our most important assets is your trust. We take our obligation to keep information about you and your accounts secure and confidential very seriously. This notice provides detail about the information we collect and disclose, and explains how we handle privacy as it relates to you and your accounts.
Accuracy of Information
Every effort is made to ensure our records of your information are complete and correct. Should you ever believe our records contain inaccurate or incomplete information, please notify us. We will investigate your concerns and correct any inaccuracies.
Collection and Use of Information
We need to collect information about you to conduct our business relationships. However, in order to protect your information, we maintain and enforce strict security procedures.
We collect nonpublic personal information about you from:
- Applications or other forms submitted by you
- Your transactions with us or others
- Consumer reporting agency
We collect only the information necessary to deliver quality products and services to you. Only authorized and trained employees have access to customer information. Each Bank of Winnfield employee is required to follow our bank’s policy, which states your information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available. We also are continually assessing new technology as it becomes available in order to continue to best protect your privacy.
We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so we can provide you with quality products and superior service.
We do not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use, unless (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure otherwise is required or permitted by law (e.g. regulator).
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Confidentiality of Customer Information in Other Circumstances
We do not provide account or personal information to unaffiliated third parties for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. If customer information is provided to a third party, we will require that the third party adhere to similar privacy principles that provide for keeping such information confidential.
Protecting the privacy of our children is essential. For that reason, our website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via our website.
How to Contact Us
Visitors to the bank website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
- Date and time our site was accessed
- IP Address (a numeric address given to servers connected to the Internet)
- Web browser used
- City, state, and country
The bank uses this information to create summary statistics and determine the level of interest in the information on our site.
Visitors may elect to provide us with personal information via email or online registration forms. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank’s server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank’s server, you must key in a login ID and password. Our system, the Internet Banking System, uses a “3 strikes and you’re out” lock-out mechanism to deter repeated login attempts. After three unsuccessful login attempts, the system locks you out, requiring a phone call to the bank before reentry into the system is allowed. Upon successful login, the Digital ID from VeriSign - the experts in digital identification certificates - authenticates your identity and establishes a secure session with you.
Secure Data Transfer
Once the server session is established, you and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between you and the server is encrypted with Secure Sockets Layer (SSL) Protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public key to your browser and creates a combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new server session is started.
Router and Firewall
Requests must filter through a router and firewall before permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet banking transactions are secure.
Bank of Winnfield provides links to third-party websites on the Internet as a convenience. The inclusion of these links are not endorsements by Bank of Winnfield, nor are they controlled by Bank of Winnfield. Thus Bank of Winnfield is not responsible for the content of any linked site or any link contained within a linked site.