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At Beach Business Bank we take security very seriously. The latest
methods in Internet system security are used to increase and monitor
the integrity and security of our system. Our Online Banking
products integrate industry approved security technologies to
address three primary concerns about Online Banking security: Secure
login and user authenticity, encryption when data is in transit and
secure routers and firewalls.
System Architecture
To develop a sound architecture, Beach Business Bank has
incorporated the capabilities of firewalls, control capabilities of
routers, operating system level controls, application level
controls, report consolidation methods, and security monitoring. In
this architecture, every piece is layering on the capabilities of
the other to create overlapping controls and fail-over. What this
means to you is that if a single layer of security is broken, other
layers of security are there to protect you and your banking
information. This is typically referred to as “security-in-depth”.
Security Sockets Layer
Data security between your browser and our Web server is handled
through a security protocol called Secure Sockets Layer (SSL). SSL
provides data encryption, server authentication and message
integrity for an Internet connection. Additionally, SSL provides a
security “handshake” that is used to initiate the connection. This
handshake results in your browser and the Internet banking server
agreeing on the level of security they will use and fulfills any
authentication requirements for the connection. Currently, Beach
Business Bank’s online banking application supports data encryption
at the highest level. (128 bit). In order to get this level of
encryption, you will need a browser that supports it. It may be
necessary to visit your browser company’s home page to download
upgrades to make the online banking operation function effectively.
When accessing our Internet Banking site, you will be forwarded to a
web page with a URL address that starts with https://. This will
cause your browser’s HTTPS layer to start an encrypted session using
SSL. You will then receive a login screen. Since the encrypted
session has already been started, your Access ID and password are
safe and secure. The data traveling between your computer and the
server is encrypted and can only be decrypted with the public and
private key pair. These two keys are the only combination possible
for that session. When you log off the system your session is
completed and the encryption keys expire. This process will start
over again when you next log on to the system, which will create a
new session.
What You Can Do To Protect Yourself
PLEASE TAKE SPECIAL NOTE: Online Banking security does not rely on
technology alone. You must treat your User ID and Password with the
same care as an ATM Card and PIN. If you are logged in to the
service, be sure to log off of the service and exit the browser when
you leave the computer unattended. You should also take standard
precautions to keep your system clean and free from viruses that
could be used to capture password keystrokes and financial
information.
We review Beach Business Bank's policies and practices periodically,
and we may make changes we believe are appropriate in light of
evolving technology and business conditions. This Statement may be
revised from time to time to reflect these changes. If you have any
questions, contact us. |
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