What We Do
Technology and Internal Controls
NexBank is committed to deploying the latest and most secure technology to safeguard our clients' information. From multi-factor authentication every time you log into your Online Banking Account, to maintaining secure technology throughout all of our locations — we are serious about safeguarding your information at all times.
Fully-enabled Secure Socket Layer website: This technology is utilized to encrypt any information such as User IDs, Passwords or any other information transmitted over the internet. When you visit an SSL site, you will notice the web address begins with HTTPS and the lock to the right of your address bar will be engaged. SSL websites engage today’s most secure and leading website security protocols.
- SHA 256 (Secure Hash Algorithm)
- Pharming Shield: “Pharming” is when a perpetrator attempts to steal information by re-directing you to a fraudulent website in order to steal personal and/or financial information. NexBank deploys the latest technology to ensure this does not happen. When you visit NexBank.com, you can trust you have to come to the right place.
- E-mail and Pop-ups: NexBank.com will never engage you in a conversation or request any personal information through an e-mail request or “pop-ups”. If this ever happens to you, do not click on any of the links, close out of the pop-up window, and contact NexBank immediately.
- Submitting forms: Information you provide via NexBank.com is transmitted to us in a secure format. Any information provided is then stored in a secure database and can only be retrieved by a NexBank employee who is authorized to access that system.
- Browsing our site: You can browse our site without providing any identifying information, such as your name or e-mail address. We currently deploy the following “cookie” technology: doubleclick.net, nexbank.com and www.nexbank.com.
- Multi-factor authentication: When logging into online banking through NexBank.com, a NexBank Customer’s identity will be verified in at least 2 of the following ways: User ID/Password, proper response to a security question, authorization link sent to email of record, or recognition of a “cookie” that has been placed on the Customer’s PC during a previous visit to their accounts online.
- Email and Text Alerts: NexBank customers can customize alerts based on balances, transaction amounts, receipt of a bill, log-in history and/or changing of personal information (i.e., account passwords, email address, etc.). This is an important way for customers to ensure their bank account information has not been compromised and can receive real-time alerts based on their personal preferences.
- Secure Communication: Through NexBank’s Online Banking Suite, customers can send and receive secure messages directly from NexBank. The message will be displayed in the User Services portion of their Online Banking Account and can only be viewed once logged in.
- Code of Conduct: NexBank Employees are vigorously held to the highest standards of integrity and ethical conduct. Our corporate Code of Ethics and Business Practices Policy provides standards of conduct and guidelines to safeguarding company information. NexBank’s Information Technology Acceptable Use Policy provides guidelines to safeguarding customer information. These guidelines establish the parameters of each employee’s access to certain information and limit the use and disclosure of such information (both internally and externally). Any employee found violating either policies will be met with corrective action, up to and including immediate termination.
- Training: Each year, NexBank employees are required to complete a battery of training courses covering safeguarding information security, and various other compliance requirements such as Fair Lending and the Bank Secrecy Act.
Verification of Practices
Regulation and Audit: NexBank operations and business practices are regularly reviewed for compliance with corporate policies and regulations involving the confidentiality of customer information. These reviews are conducted by internal employees, accounting and security firms, and government regulators.
Your accounts are regularly monitored for suspicious or fraudulent activity. If there are suspicious amounts withdrawn via the ATM, checks attempting to clear over certain amounts, or various other triggers based on the typical transaction behavior within your account, a NexBank Representative may contact you to verify the transaction prior to allowing it to clear.
If you know your ATM/Check card or checkbook has been stolen, or you have been a victim of identity theft, please contact NexBank immediately so that every precaution can be taken to protect your accounts.
NexBank will never email or call you asking you to provide (or verify) personal or identifying information. Sometimes perpetrators will attempt to contact you with an urgent message requesting information that could compromise your identity or financial accounts. If you receive any type call, e-mail, instant message or pop-up that seems suspicious or is asking for personal information, please do not take any action except to contact NexBank immediately.
Be sure to use a NexBank phone number you know to be correct, not one provided by an email or suspicious call.
WHAT Can you Do
- Always sign out of secure websites, such as Online Banking, or any website that requires a User ID and password.
- Be extremely cautious sharing your e-mail address with questionable websites. This can increase the risk of receiving fraudulent emails that are attempting to capture personal information.
- Suspicious email or pop-up window: Never provide any personally identifying or sensitive information in response to an e-mail or pop-up window. Never click on any links contained within a suspicious e-mail. NexBank will never e-mail you or utilize pop-up windows to verify or obtain any personal or account information.
- Submitting forms online: It is best to only submit personal information or make a purchase on sites that are fully SSL (Secure Socket Layer) enabled and trusted. Remember: An SSL enabled website address will start with HTTPS and the padlock to the right of your address bar will be engaged. Sites that use SHA 256 (Secure Hash Algorithm) provide additional security.
- Limit the use of your ATM/check card: There is a difference in how credit cards and ATM/check card transactions are processed, as well as the protections offered to consumers. Since ATM/check cards offer a transaction directly into your bank account, many consumer advocates suggest using a credit card for your online purchases whenever possible.
Information storage and disposal
- User ID and Password control: Do not maintain a central and written list of any of your online account accesses or accounts. If you choose to maintain this information in an electronic file on your PC, be sure to encrypt or password protect the document, or utilize trusted software to secure records of your various log-in credentials.
- Printed statements and other mail: Always review your monthly or regular statements on any financial account. Immediately investigate any suspicious or questionable transaction(s). Prior to throwing in the garbage, be sure to shred any and all documentation or mail that can readily identify you, a family member, your address or any other personal information. Old bank statements, credit card applications, unused deposit slips are common items perpetrators look for in trash or dumpsters.
- Wallet and Purse: Losing either can be a trying ordeal. Be sure to limit the number of credit cards you carry, do not carry your birth certificate, voter registration or social security card unless these items are needed for a specific purpose on a particular day.
- Be Prepared: Maintain a list of the financial institutions, and their phone numbers, where you have credit cards, bank accounts or investments. DO NOT KEEP YOUR ACCOUNT NUMBERS HERE. Institutions can locate your account and verify your identity in other ways. If your wallet/purse, ATM/check card or other related items have been lost or stolen, contact your financial institutions immediately.
- Control physical access to your personal computer (PC) at all times: Do what you can to prevent unauthorized access to your PC. Also, choose passwords that are not easily connected to you (i.e., child’s DOB, your DOB, social security number, etc.)
- Maintain your virus software: Install, update and scan your PC regularly for risks, spyware and other exposures. Be careful when downloading Java or ActiveX applications. And only use software from reliable and trusted sources.
- Ensure that your internet browser is set to the highest level of encryption available for your system. NexBank’s Online Banking Suite requires the use of 256-bit encryption.
IDENTITY THEFT PROTECTION AND FRAUD REPORTING
Protect yourself from Identity Theft:
Identity theft involves someone stealing your personal information to open new accounts or to initiate transactions in your name or to access your existing accounts and steal your money. Visit the Federal Trade Commission’s anti-Identity Theft site at http://ftc.gov/idtheft to learn more about Identify Theft.
Keep your online banking username and password confidential and NexBank recommends that you change your online banking password every 90 days to maintain the security of your account. Do not use the same password across multiple sites. For extra protection use a combination of capital letters, lower case letters, numbers, or special characters in your password. See the Information Storage and Disposal section for more information on how to keep your password secure.
Report phishing and email scams:
Phishing is a process criminals may use in their attempts to acquire sensitive information such as usernames, passwords, account numbers and financial information. They send an email posing as a legitimate company and these emails may contain links to fake websites or request that you to share personal or financial information.
To help protect your security while you are online, you should never open attachments, click on links, or respond to emails from suspicious or unknown senders. See the Customer Communication section for more information.
- Closely monitor all of your finances
- Check credit reports annually
- Know your banker
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