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SECURITY:
Individual
Alliance Bank requires three (3) pieces of security
information that are only known to you during the
enrollment process.
Individual
Logon ID and Password
For your protection, so that we may research your
request for an account and validate your confidential
account information, an individual logon ID will
be utilized. You will select your own logon ID during
the enrollment process. A temporary computer-generated
password will be delivered via the United States
Postal Service after the initial account set-up
has been completed. You will be prompted to enter
your own customized password.
Also for you protection, your on-line account will
be disabled should you exceed the allowed number
of logon attempts.
Your user password will be authenticated during
the log-in process. You may change your user password
as often as you like and will be prompted to make
such a change periodically. Your logon ID will never
change.
For additional security, your PC banking session
will be terminated should there be an extended time
of inactivity. This will prevent anyone from using
your computer if you step away from your desk or
office. Once logged off you may simply reauthenticate
yourself by entering your password and logon ID
at the logon page.
Alliance Bank will not, at any time, ask for your
logon password. If anyone calls and requests this
information, contact the bank immediately.
SECURITY:
Browser
Alliance Bank has an approved list of browsers based
on their accommodation of specific security requirements.
Netscape Secured
Socket Layer (SSL)
Netscape Communications developed SSL to ensure
private and authenticated communications.
Your PC banking session will utilize the SSL to
secure the transaction from your browser and the
WEB server. Once a secure session is established
the data cannot be monitored by other users on the
Internet.
The SSL "language" works with all other
Internet "languages" so that you are not
limited as to its use. A "higher level"
application protocol can layer on top of the SSL
Protocol transparently. The SSL Protocol can negotiate
an encryption algorithm and session key as well
as authenticate a server before the application
protocol transmits or receives its first byte of
data. All of the application protocol data is transmitted
encrypted, ensuring privacy.
Encryption
Encryption is the actual turning of words and numbers
into a coded language that can only be read by you
and the bank. If the key in the lower left corner
of your screen appears filled or "enclosed"
in Netscape Navigator and the lock appears solid
in Microsoft Explorer, you will know your information
is being encrypted. When not in a secure session,
Netscape's key appears broken and Microsoft's lock
does not appear at all.
Cookies
A cookie is a way for our secured server to establish
a logon or session ID with you each time you authenticate
connectivity. We will place a cookie within your
browser each time you sign on. Your browser may
allow you to accept cookies with or without warning.
If you have selected without warning, you will be
unaware of this extra security precaution. If you
have asked to be warned, simply click on accept.
The cookie allows us to maintain continuity in a
series of requests and responses. A cookie is information
that the server (actually a CGI application at the
server) puts in the HTTP header that accompanies
its response to a browser request. The browser can
then store this information and send it back in
any additional requests related to the whole transaction
or series of requests and responses.
This additional precaution prevents your session
from being "taken over" if the SSL or
encryption failed; either of which extremely unlikely.
However, we pride ourselves on the measures taken
to protect your information.
SECURITY:
Provider
Secured Environment-Advanced Firewall Technology
Our mainframe computer system does not connect directly
to the Internet. It is isolated from the Internet
network via routers, filters, and a "firewall".
A "firewall" is a device that controls
the access that computers on the Internet have to
the bank's computer. This "firewall" adheres
to the standards set forth by the NCSA (National
Computer Security Association). Use of the "firewall"
allows only valid http traffic to reach the Web
Server. Further protection is provided by yet another
set of "firewalls" that sit between the
Web Server and the Application Server.
State of the art security monitoring software.
Continuous monitoring and auditing of all transactions
originating or terminating on our connection to
the Internet.
Trusted Operation System.
Our provider is constantly reviewing the latest
in software and hardware technology to provide the
best defense possible against intrusion.
SECURITY:
Financial Institution
Existing banking relationship.
Daily maximum number of transactions.
Daily authorization limits.
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Certain personal information about visitors to this
Web site is being collected by Alliance Bank located
in Sulphur Springs, Texas. Personal information
is collected from you at the time an application
for a loan or deposit account is submitted to the
institution, at the time transactions are conducted
through the online banking service, and at the time
information is provided by you via E-mail (including
the name, E-mail address, and any other information
on the E-mail header). The institution does not
use cookies to collect and track information about
you.
Information is collected for the purpose of processing
your application, transaction, or request for information.
The information will be used for the purposes of
meeting your banking needs and requests, and providing
services to you in the future. The Institution does
not sell or share customer information with any
nonaffiliated third parties, except certain third
party service providers. These entities will be
required to execute a confidentiality agreement
with the Institution, which requires adherence to
the Institution’s privacy policy and practices.
The Institution shares information with companies
which are affiliated with this Institution by common
control. We share information as permitted by law
in order to provide you with better services and
more options.
If you do not want your personal information collected,
you may refrain from supplying the information,
whether through E-mail or the Institution’s
online banking service.
You also may restrict the use of or limit the disclosure
of your personal information by notifying the Institution
that you do not want your personal information shared
with entities affiliated with the Institution. This
written notice should be directed to the Compliance
Officer, Alliance Bank, P. O. Box 500, Sulphur Springs,
Texas 75483. Since some E-mail transmissions may
be subject to interception, if your correspondence
contains sensitive information (e.g., your account
number or social security number) you may want to
send a letter.
We are taking the following steps to ensure the
privacy and accuracy of the information collected
from or about you: Ensuring your financial privacy
is of vital importance to the Institution and its
employees. The Institution limits employee access
to confidential customer financial information to
those with a business reason for knowing such information.
Institution employees are trained to understand
the importance of customer financial privacy and
to properly handle confidential information. The
Institution endeavors to maintain the most accurate
and up-to-date customer records possible. If you
find that your account information is not correct,
current, or complete, please write to us at the
address on your account statement and appropriate
corrections will be made as soon as possible.
Additionally, information you submit via our online
banking service is protected by encryption technology
which scrambles account information to reduce the
possibility of access by unauthorized individuals
outside the Institution. To further protect your online banking service, the Institution requires the use of a LOGON I.D., password and security image.
You may review the information we collect about
you and correct any errors in that information by
reviewing account statements and any other correspondence
from us and notifying us of any inaccurate or outdated
information at the address or phone number on your
statements.
If you have questions about your personal information
or would like to inform us about the potential misuse
of your personal information, you may do so by sending
a letter to the Compliance Officer, Alliance Bank,
P. O. Box 500, Sulphur Springs, Texas 75483. Since
some E-mail transmissions may be subject to interception,
if your correspondence contains sensitive information
(e.g., your account number or social security number)
you may want to send a letter.
If you feel we have not met our obligations in the
protection or use of your personal information,
you may submit a complaint to the Institution. Any
complaint will be handled in compliance with the
Institution’s Consumer Complaint Policy. Breaches
of customer privacy are considered serious employee
misconduct and may result in the termination of
the employee.
We recognize the importance of protecting children’s
identities and privacy online. Our web site is not
directed at children, and we do not knowingly collect
or maintain personal information from children.
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