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Commerical Risk Assessment

 

 

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Protect Your Business Online

At Texas Bank and Trust, Security is of the upmost importance.  The following “tips” can help you protect your information when using our Electronic Banking Services.

Electronic Banking Best Practices

  • If you feel that your login information has been compromised, change your password immediately and contact our T3 Support at (903) 237-1881.
  • Do not share your login information with anyone else.
  • Choose a hard-to-guess password by using a random combination of letters, numbers, and/or special characters. Do not use words that can be found in a dictionary or information related to you, such as your name, address, birth date, etc.
  • Be sure to change your password regularly.
  • Disable auto-complete or similar features on any computer you use for online banking.
  • It’s recommended that you do not write-down your ID’s or Passwords.
  • Remember to log-out when you are finished banking online or are leaving the computer unattended.
  • Avoid using unfamiliar computers to conduct any electronic banking, as they may be compromised and avoid using public Internet access points.
  • Avoid using regular email to share information about your account with Texas Bank and Trust.
  • Establish account alerts.
  • Surf the internet carefully.
  • Block Pop-Ups and downloads from un-trusted sites.

Safe Guarding Your Business Computer

In addition to the items listed above, as a Business you should do the following:

  • Education is Key- Train your employees on these security tips.
  • Limit Administrative Rights- Do not allow employees to install any software without receiving prior approval.
  • Lock or Log off of your computer when not in use.
  • Make sure that your employees know how and to whom to report suspicious activity to at your Company and at Texas Bank and Trust. 

Cash Management Customers:

  • Utilizes Dual Control for approving ACH and Wire Transfers.
  • Utilize IronKey Secure Access device.
  • Request IP Restriction to limit access to your Cash Management Online Banking.
  • Limit administrative rights.
  • If possible, use a stand-alone computer

Other Helpful Tips

  • Balance Accounts daily.

    Review your current transactions daily and contact Texas Bank and Trust if you notice any unusual or suspicious items.
  • Use a secure browser.

    Check that your browser is compliant with Secure Socket Layer (SSL) standards by looking for the small padlock at the bottom right of your browser window and a URL that begins with https ("s" for "secure"). This ensures your private information is scrambled to prevent unauthorized access.
  • Be wary of phishing emails.

    These may appear to be from your bank but are really from criminals trying to lure you to a fake website to get your personal information. Never click on embedded links if you are suspicious; instead, type the URL directly into the browser or contact your bank to verify the authenticity of the email.
  • Watch out for fraudulent websites.

    Always check to see that you have typed the correct website address for your bank before conducting a transaction. Beware of copycat websites that deliberately use a name very similar to that of a real financial institution in an effort to trick you into disclosing personal information.
  • Beware of pop-ups.

    Watch out for sudden pop-up windows asking for personal information or warning of a virus. This is called "scareware" because it frightens people into providing information or downloading malicious software.
  • Log off and close your browser.

    Since browsers cache, or store, information that has been entered or viewed during secure connections, it may be possible to view personal information after you close the session. This is especially important when using a public or shared computer. You reduce this risk by logging off the online banking website (not just clicking the "X" in the top right corner of the browser) and exiting your browser. You may also consider clearing your disk and memory cache (methods vary for how to do this depending on browser type, but usually include adjusting your Internet options).

Texas Bank and Trust will never solicit your personal information by phone, auto-dialer, text message, email or providing links within an email requesting that you update your information. You will not receive any email notification asking you to click a link or visit a website to unlock your account or to provide any private information unless otherwise requested by you through the online banking password self-reset feature. If you receive an email or phone call requesting confidential information from someone claiming to be a representative of Texas Bank and Trust, please do not respond.

 

Click below for more online banking security tips!

 Online Banking Security Tips

 
 

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