Security
This Internet Banking
Security Statement is being provided to existing and potential customers of Commercial
Bank to outline our commitment to your expectations of privacy and security while
visiting and transacting business with us through our web site at www.commercial-bank.com or through our online banking services.
Our Commitment to Providing a Secure Internet Banking Experience
As technology
enhances Commercial Bank's ability to deliver financial services in new and innovative
ways, we must continually assess our standards for ensuring the privacy and security
of information provided to us by our customers. We are committed to a high standard
of Internet security and this security statement will outline our security measures
and how we will use and protect the information gathered from our Internet banking
services.
Internet Banking
is Commercial Bank's online banking service, allowing existing customers to transact
their banking over the Internet. Through Internet Banking, customers can check account
balances and histories, transfer funds between Commercial Bank accounts, reorder
checks, download account information for use with financial management software
such as Quicken ® and Microsoft® Money, and e-mail the bank with questions or comments.
Your Role
Your role
is extremely important in preventing the misuse of your account and personal information,
especially as you take advantage of the convenience of Internet banking.
We ask that you promptly
examine your statement(s) upon receipt and report any errors or unauthorized transactions
to us immediately. Additionally, you should notify us at once if you believe your
online password has been compromised. For complete information regarding how to
report an error, unauthorized transfer, or other unauthorized access to your account,
please review the Commercial Bank Online Banking Service User Agreement and Disclosures.
In addition to protecting
your account information, you should also take precautions to protect your personal
identification information, such as your driver's license number, Social Security
Number, etc. This information by itself or together with information on your account
may allow unauthorized access to your account(s). It is your responsibility to protect
personal information with the same level of care that you protect account information.
For your protection,
we also recommend that you do not leave your computer unattended while accessing
your personal bank accounts.
Our Security Standards
and Measures
We employ
a number of mechanisms to ensure the safety and security of our Internet banking
options. These mechanisms help us to properly identify our customers and to ensure
the confidential nature of financial information as it navigates through cyberspace.
Secure Browsers.
To keep pace with ever-changing technologies and security enhancements, Commercial
Bank requires the use of secure browsers to access our Internet banking services.
A browser is a program that can navigate the Internet, request and download web
pages, and display them properly after interpretation. To ensure access to all features
available at our web site or through our online banking services, we require, at
a minimum, the use of Microsoft® Internet Explorer version 4.01 or Netscape Navigator®
version 4.08. However, we recommend that you continually upgrade to the most current
version of the browser you select for maximum efficiency and security.
Encryption
Technology. Commercial Bank uses encryption technology to ensure the information
passed over the Internet between the bank and its customers remains confidential.
Encryption systems, which scramble electronic communications and information, make
a message unreadable by everyone except the intended recipient. In other words,
the information you send to us is scrambled en route and then de-scrambled once
it reaches Commercial Bank. Thus, when you make transactions online, the information
can not be read by anyone other than authorized Commercial Bank customer service
staff.
Encryption strength
is measured in bits, referring to the size of the key used to encrypt the message.
A longer key means the encryption is more "random" and someone attempting to decipher
the message would have to try more combinations of keys. Most Web browsers support
40-bit (low) or 56-bit (standard) encryption strength. Commercial Bank uses 128-bit
Secure Sockets Layer (SSL) encryption. This enables 128-bit SSL encryption with
both domestic and export versions of Microsoft® and Netscape browsers. The 128-bit
encryption key is about 309,485,009,821,345,068,724,781,056 times stronger than
40-bit. Your browser must be capable of 128-bit encryption.
You will know that
you are securely connected to the web server via the SSL when you see a "closed
lock" or "unbroken key" icon in the bottom right-hand corner of your Microsoft®
Internet Explorer browser screen or in the lower left-hand corner of the Netscape
browser screen. You will also see "https://" on your browser URL address line, indicating
that you have established a secure link.
Firewalls.
Commercial Bank employs advanced firewall technology in providing access to Internet
Banking. A firewall is a boundary that prevents unauthorized users from accessing
restricted files on a network.
"Time Out"
Features. For added security, we have installed "time out" features. Should
you leave Internet Banking without first signing off, you will be automatically
logged off after a specific period of time. We will not log you out if you have
accessed a link with another site that maintains security with our banking site.
For your protection,
we strongly recommend that you log out after each visit to Internet Banking.
Passwords.
Passwords
are utilized to gain access to Internet Banking. No password is required for viewing
of general information at commercial-bank.com.
You are responsible
for the confidentiality of your password. You should keep all passwords confidential
to prevent unauthorized access to your accounts. When you have successfully entered
your password, Commercial Bank is entitled to allow you to view your accounts through
Internet Banking. This means that whomever has possession of your password will
have access to your account information and could potentially initiate transactions.
If you believe that your password has been lost, stolen, or compromised, you should
contact us immediately. Complete procedures for doing so are outlined in the Commercial
Bank Online Banking Service User Agreement and Disclosures.
Additionally, certain
higher levels of Internet browsers may provide you with an option to save your log-in
information, i.e. your password. When you use this feature, anyone with physical
access to your computer could potentially log in to your account. While convenient,
we strongly advise you not to use this feature. After logging in, the browser will
ask if you wish to save your log-in information. Answer "No" to prevent your user
identification and password from being saved.
Commercial Bank features
advanced Internet access security protocol to ensure the privacy of your account
information. The following outlines our standards for ensuring confidential access
to our online banking services:
Access to Internet
Banking is limited to existing account holders over the age of eighteen. Individuals
must specifically request the service through an enrollment process. To enroll for
access to Internet Banking, a customer must complete a User Application, available
on the web site or at any Commercial Bank branch location. Once the application
is received and processed, written confirmation of the enrollment and the initial
password, will be mailed under separate cover to the customer via first-class postal
mail. Upon first access to Internet Banking, the customer will be required to change
the password to a confidential code of their choice. The password will be required
at the log-in screen each time the customer accesses Internet Banking. Access will
be blocked if the password is entered unsuccessfully on three consecutive attempts
to log-in.
Use, Collection,
and Retention of Customer Information
Contacting
Commercial Bank by Electronic Mail (E-Mail). You have the opportunity to
contact Commercial Bank by electronic mail. If you have a question about our web
site send us an e-mail describing your question or problem using: customers@commercial-bank.com
If you choose to
contact us via e-mail, please keep in mind that your e-mail address, and any other
information your e-mail header shows about you, such as your name or organization,
will be revealed to us in the communication. We pledge, however, that when you communicate
to us via e-mail, we will use your e-mail information only for the specific purpose
of responding to your questions or comments. Your e-mail address will not be sold,
nor will it be shared with anyone outside of Commercial Bank and our affiliated
companies unless compelled to do so by law.
Use of Cookies.
Commercial Bank's use of cookies is limited to "session" cookies to establish and
maintain bi-directional communication between you, the user, and Commercial Bank.
This session cookie is created when you open a session with Commercial Bank and
is destroyed when your browser is closed. Commercial Bank does not collect personal
data through the use of cookies.
Changes to
this Statement. We reserve the right to change this policy at any time by
posting a new Security Statement to alert you to those changes.