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Small Business Bank

 

At Gardner Bank, the security of customer information is a priority.  We are strongly committed to the safety and confidentiality of your records.  Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public.  One of the best ways to avoid fraud is to become an educated user. 

 

General Security Tips

Type your internet banking URL
Always access our internet banking by typing the correct URL ( gardnerbank.com, smallbusinessbank.com, or secure.gardnerbank.com ) into your browser. Never click on a link in an email to take you to a website, or enter personal details either in the email or website.

Password Security
You should always be wary if you receive unsolicited emails or calls asking you to disclose any personal details or card numbers. This information should be kept secret at all times. Be cautious about disclosing personal information to individuals you do not know.

Please remember that we will never contact you directly to ask you to disclose your password information.

If it sounds too good to be true...
It probably is. Don't be conned by convincing emails offering you the chance to make some easy money. As with most things, if it looks too good to be true, it probably is. Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organizations behind the emails.

PC Security
It is important to use up-to-date antivirus software and a personal firewall. If your computer uses Microsoft Windows, it is important to keep it updated via the Windows Update feature, equally if you use another operating system you should check regularly for updates.

Ensure you also regularly patch Java and Adobe products. These items are frequently updated because of vulnerabilities and hacker use of those vulnerabilities to install malware on your computer.

Consider using a single computer for your online banking and restrict other uses on it.

Avoid Public Wireless Internet Access
You should be vigilant if you use internet cafes or a computer that is not your own and over which you have no control. Hackers and identity thieves often monitor these networks or install malware to capture your login credentials.

Keep your identity private
Your identity can be as easily stolen offline as it can online. It is important that you comply with instructions about destroying expired bank cards. Do not write down your Username and Password and leave it next to your computer.

Do not Cache your online banking passwords.

Do not use the same password for online banking that you use for any other website that may be compromised and thieves now have your internet banking password.

You should also consider using a crosscut shredder to destroy bank and other statements that may contain sensitive personal information.

It is advisable to store retained documents in a suitable locked and fireproof container.

Use a complex password that is not easily guessed. It should not contain full names or words and include special characters and be at least 8 characters long.

Check your statements
It is important to check your statements regularly; a quick check will help identify any erroneous or criminal transactions that might have been performed on your account without your knowledge.

Check your banking session is secure
When undertaking any banking on the internet, check that the session is secure. There are two simple indicators that will tell you if your session is secure. The first is the use of https:// in the URL. Some browsers such as Mozilla Firefox change the color of the url window when you are in a secure session. The other indicator is the presence of a digital certificate represented by a padlock or key in the bottom right hand corner. If you double click on this icon it should provide you with information about the organization with which you have entered in to a secure session.

Check for Spywares/Malware
In addition to being protected by using up-to-date antivirus software you should also regularly use software to remove spyware from your computer, as these programs record information about your internet use and transmit it without your permission. In some circumstances this can compromise your PC security. Remember current antivirus software does not catch 100% of every virus. Consider utilizing multiple programs to regularly scan your computer.

Ensure you log off properly
It is important to completely log off from your internet banking session; simply closing the window you performed the transaction in may not close the banking session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions may be performed without your knowledge. It is also advisable to close your internet browser when finished using online banking.

What we do to make your online banking session secure

We use a combination of Secure Socket Layer (SSL) protocol, multifactor authentication, and passwords to protect your information. In addition we monitor online events for suspicious activities.

 

 

 

 

Consumer Security Tips

Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one.  The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.

 

Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails.  If you ever receive a suspicious e-mail representing itself as Gardner Bank, please forward the message in it’s entirety to trausch@gardnerbank.com.

 

Ensure that your own personal computer has updated anti-virus and firewall protections.  Apply security patches for all of your programs and operating systems regularly. 

 

Passwords should be unique to you and changed regularly.  Do not use birthdays or other numbers or words that may be easy for others to guess.  Never write down your password or give it to another person.

 

Monitor your account activity frequently using our free Online and Mobile Banking services.  

 

Sign up for free Online Banking eStatements to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.

 

Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.

 

Set up a personalized Phishing Phrase for your Online Banking so that you always know when you are on our secure Web site.

 

Please keep in mind that we will never ask for or email you requesting your online banking password.  We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.

 

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

 

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

 

If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at (913)856-7199.

 

 


 

Commercial Customers Security Tips


Small to Medium sized business and government banking accounts are being targeted by criminals every day. 

Every security system in place today can and has been compromised by criminals.  No system that the bank has put in place can catch 100% of fraudulent attempts.
 
*** Commercial Accounts and Government Accounts are not covered under Regulation E. ***
In most circumstances you will be responsible for assuming the loss on fraudulent transactions.   It is vital that you following best practices:

What we expect of you:

Establish a separate account for the origination of each type of transaction.   ACH origination / Wire Transfer etc. Ideally only fund those accounts with enough funds to cover the planned transactions on a daily basis.

Establish duel control over the setup and creation of new user accounts on the system.

Establish duel control over the setup of new payees on the system.

Run summary reports of all transactions to ensure they are accurate.

Review your transactions the next business day to determine if fraudulent activity has occurred.

Maintain up to date anti-virus on your computer systems at all time that access financial websites.

Patch your operating system weekly and ensure that you are updating Java and Adobe applications weekly as well.   Vulnerabilities in these applications are utilized by criminals constantly.

Ideally, dedicate a single PC for online financial transactions and prohibit any other form of web surfing on this PC. Have the firewall specifically restrict access for the workstation to only the IP Addresses of the financial institutions systems.   This will prevent individuals from surfing the internet on the PC.

Utilize a unique complex password (Upper Case, Lower Case, Special Characters) at least 8 characters long.  DO NOT RE-USE PASSWORDS THAT YOU HAVE REGISTERED FOR AT OTHER WEBSITES! Websites can be compromised and your password will be exposed.

Change your password every 90 days. 

Do not utilize words in your password such as Password1.  

Never provide your account number or username / password in any written communication to the bank.   This is especially true of email.

Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one.  The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.

Always use your pre-established link to access web sites.   Never click on a link contained in an email.

Utilize Security and Balance Alerts to be notified via phone, e-mail and or SMS text messages when activity occurs on the account.

What the Bank does:

On at least an annual basis the bank examines its controls that it has implemented for online banking access.

Based on that review that bank will determine if changes are necessary and will implement required changes on an ongoing basis.

Reviews the current fraud trends at least quarterly to determine if changes are required in regards to current security controls and provide alerts to our customer base.

Monitor login events 24x7 for suspicious activity on your account through a rules based online system.

Monitor ACH transactions 24x7 at the time of transaction for suspicious activity on your account through a rules based online system.

Monitor Wire transactions 24x7 at the time of transaction for suspicious activity on your account through a rules based online system.

Monitor ATM Transactions 24x7 at the time of transaction for suspicious activity on your account through a rules based online system.

Monitor BillPay transactions 24x7 at the time of transaction for suspicious activity on your account through a rules based online system.

We utilize multi-factor authentication that is in guidance of federal guidelines for online banking.

We provide optional out of band authentication products for our commercial customers that conduct online Wire Transfer and ACH origination transactions.

We provide Positive Pay services for commercial customers.

Our Fraud Officer may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns.

Block all foreign ATM Transactions unless notified in advance of travel outside the United States.

What the Bank does not do:

We will never ask you for your online banking password.

We will not contact you via email requested you click on a link inside the email.

All electronic communication is done through the secure email system provided within the online banking system.

We will never send your non-public information via email unless it utilizes our security email system.

While these layered process are designed to prevent fraud.  They will not catch fraud 100% of the time.   You are responsible for losses incurred on commercial and government accounts.   Be vigilant and monitor your account at all times.  

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can.

If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at (913)856-7199.

 

 
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