Online Banking Security

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Good security practices:

  • • Use strong, complete passwords that contain alpha/numeric characters and symbols, upper and lower case characters. Use a minimum of 9 characters for your password and avoid using birth dates, favorite colors, and names of pets.
  • • Change your passwords regularly and use a different password for each Web site you access.
  • • Never bank online using computers at kiosks, cafes, unsecured computers, or unsecured wireless networks.
  • • Prohibit the use of shared user names and passwords for your online banking accounts.


PROTECT YOUR ACCOUNT
Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately contact CNB.

Protecting Personal Information
In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver’s license, 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 your account information.

Safeguard Your Online Password
The password that is used to gain access to Online Financial Services through CityNET should be kept confidential. For your protection, we recommend that you change your online password regularly. We recommend that you memorize your online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify CNB.

Unauthorized Transactions in Your Accounts
Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your Bank deposit account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access a Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.
TO NOTIFY US
1. Visit your nearest City National Bank branch
2. Call customer service at 1-866-385-3444
3. Send an e-mail to report@cnbok.com
SPECIAL INFO FOR COMMERCIAL/BUSINESS CUSTOMERS
• Evaluate your internal controls for online banking and conduct an annual risk assessment. Identify gaps and continuous improvement opportunities to ensure the safety of your financial data and resources.
• Ensure your computer is equipped with latest versions and patches of both anti-virus and anti-spyware software.
• Delete online user IDs as part of the exit procedure when employees leave your company. Periodically conduct a review of access assigned to current employees and remove capabilities when they are no longer required.
• Assign two administrators to manage any online financial service programs to reduce risk or the misappropriation of funds.
• Establish transaction limits for employees who initiate and approve online payments.
• Reconcile your accounts by carefully monitoring account activity and reviewing all transactions initiated by your company on a daily basis.

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