Internet Fraud Prevention
General Information Collected
Enterprise Bank respects the privacy of its internet banking customers and is committed to protecting their information on our web site. Whether you are a current customer or just visiting online, we safeguard the information you provide to us. We only collect non-identifying information about our visitors such as date and time our site was accessed, what pages were visited, what servers were used, and the city, state and country of the visitor as identified by the server address. Enterprise Bank collects this information to create summary statistics and determine the level of interest in our information made available on our web site that helps us to establish products and services to best meet our customers' needs.
Visitors may elect to submit personal information via e-mail, by submitting an application, or by requesting information. This information may be used internally by Enterprise Bank as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.
E-mail Communications
When you send us an e-mail message through our Web site, we may record your e-mail address, your message and our response to ensure quality customer service. Please remember that e-mail is not necessarily secure against interception, and you should be cautious when sending e-mail with personal information. If your information is very sensitive, or includes personal or confidential information—such as your bank account, VISA® CheckCard or Social Security number—you may want to contact us by postal mail or telephone. Addresses of our locations and phone numbers are available in the “About Us” section of this site.
Protecting Your Access Codes
We use personal IDs and identification numbers to identify our authorized internet banking customers. Our security measures rely on these codes remaining confidential and we strongly recommend that you do not share your ID and PIN with others.
Certain third party providers such as bill consolidation sites, financial aggregator sites or other e-commerce sites may offer to provide services to you by accessing your accounts using your ID and PIN. While it is certainly your decision whether to utilize these services, please be advised that we cannot be responsible for the security and accuracy of the information displayed to you anywhere but at our Web site.
You should know that all transactions initiated by a consolidation site using access information you provide are considered authorized by you, regardless of whether you were aware of the specific transaction. You may revoke this authority only by notifying us, and we may need to block your account until we issue new access numbers.
General Security Features
Our Web site design features multiple levels and types of security throughout the design, as well as during a customer's banking session. We employ Secure Socket Layer (SSL) protocol for data encryption, firewalls, unique identifiers and passwords, and continual suspect monitoring and reporting. Consistent invalid ID attempts result in user "lock out" and generation of suspect reports. Customers are logged off after a period of inactivity as a deterrent to access by unauthorized persons.
Secure Socket Layer (SSL)
All data exchanged over the internet is divided into small units and sent in envelope-type packets. Upon arriving at the computer that requested the information, the packets are reassembled into the original message.
For internet transactions and communications, you must employ a method of securing these packets as they travel across the internet. Secure Socket Layer (SSL) is a leading method for encrypting and decrypting packets of data as they are exchanged using a code known only to the data's sender and recipient. SSL locks the data so that regardless of the path the data takes as it passes across the internet it can be opened only by the end user with the proper key or combination to the lock on the data. SSL technology is widely accepted today because the combination needed to unlock SSL encrypted data is 128 characters long.
What type of Browser should I use?
We recommend using either Netscape Communicator™ (version 4.7 or higher) or Microsoft Internet Explorer™ (version 5.0 or higher) for optimal viewing of this web site, and take advantage of secure interactivity with our site. If you are not using Netscape Communicator or Microsoft Internet Explorer, you may wish to download either one now. Click on the one you want to download and follow the instructions.
|
When sending any application information online this site automatically switches to a secure mode. This is evident by the "https" that will appear in the URL as opposed to "http."
- If you are using Internet Explorer when browsing securely you will see a locked pad lock at the bottom of your screen, which looks like this:
- In Netscape Communicator when browsing securely the browser will display a locked pad lock at the bottom left of its open window, which looks like this:
- In Netscape Communicator when browsing insecurely that pad lock appears unlocked, like this:
Disclaimer: Hyperlinks to other internet resources are at your own risk; the content accuracy, opinions expressed, and other links provided by these sources are not investigated, verified, monitored or endorsed by Enterprise Bank.
Why Use Cookies?
Internet banking uses cookies to keep track of a user's session. When a user logs into Internet banking, the website sends three cookies to their computer. The first two act as a laundry claim check; they are merely sequentially assigned numbers. The third is a large random string that allows us to verify that someone isn't trying to impersonate a legitimate user by guessing the value of the first two cookies. The cookies are only valid for one session; each time a user logs in, they receive a new set of cookies. We use the cookies to ensure that the user has entered a valid internet banking ID and PIN, and to ensure that the user's session has not timed out.
The use of cookies also allows us to speed up internet banking by temporarily storing some user information on our web server's memory. Accessing the user's information in memory is much faster than having to retrieve it from the host or from a database every time it is needed. When the user logs off or the session times out, the information held in memory is discarded. It is possible to create a website like internet banking without using cookies. However, the security aspects of such a site would be much more obvious to the user and, therefore, less secure. We feel that requiring cookies for internet banking is a small price to pay for the added security and improved user experience.
Protecting Children Online
We do not solicit information from or market information to children online. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents. If an individual under the age of 18 provides us with personally identifiable information through an internet account application, the application will be declined and all related information will only be maintained as required or allowed by law.
Links To Our Website
We are not responsible for the content or the privacy policies of websites to which we may provide links.
Changes To This Internet Privacy Notice
We reserve the right to introduce new services or practices that may require a change to the provisions of this notice. We are committed to updating our Internet Privacy Policy promptly to keep you informed on how we use information you give us.
Fraud Prevention Tips - Business Accounts
- Take advantage of Enterprise Bank's free internet banking to regularly review your account activity and posted checks, especially if someone else reconciles your bank statement. (Login access codes for Online services are confidential - the integrity of these access codes is essential for the security of account information.)
- If possible, use an electronic payment system, such as our online cash management service. This minimizes the use of checks that are mailed by your business. Again, access codes must be kept secure.)
- Break up accounting duties and responsibilities. The person who balances the bank statement should not be able to write checks and vice versa.
- Set up separate accounts for different purposes (Payroll, Operations, Disbursements, etc.). If problems occur, it will be easier to pinpoint the origin of the problem.
- Access to account information should be limited to authorized individuals only on a need-to-know basis. Locks, combinations and/or access codes should be changed whenever there is a personnel change.
- Restrict check writing authorizations by creating a dual control system (example: checks over a specified amount require the signature of two authorized individuals).
- Conduct random audits of your business' accounting or finance area.
- Documents containing bank information should be kept in a locked compartment. This includes, but is not limited to, blank checks, deposit slips, account statements, etc.
- Use a shredder to destroy all canceled checks and any other documents containing sensitive bank information.
- Make sure to use quality check stock by purchasing checks and deposit slips from Enterprise Bank approved check vendors.
- If you find that your business account has been compromised, immediately contact your Enterprise Bank account officer.
Fraud Prevention Tips - Personal Accounts
- Don't give out financial information such as checking and credit card numbers - especially your Social Security number- on the phone unless you initiated the call and know the person or organization you're dealing with. Don't give that information to any stranger, even one claiming to be from your bank.
- Report lost or stolen checks immediately. Your bank will block payment on the check numbers involved. Also review new deliveries of checks to make sure none have been stolen in transit.
- Store cancelled checks -and new checks- in a safe place.
- Notify your banker of suspicious phone inquiries such as those asking for account information to "verify a statement" or "award a prize."
- Guard your ATM Personal Identification Number and ATM receipts. Thieves can use them to access your accounts.
- Don't throw away financial solicitations that arrive in your mailbox. Shred them so thieves can't use them to assume your identity. Shred any other financial documents such as bank statements or invoices before disposing of them.
- Don't put outgoing mail in or on your mailbox. Drop it into a secure, official Postal Service collection box. Thieves may use your mail to steal your identity.
- If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your information to his or her address.
- Periodically contact the major credit reporting companies, to review your file and make certain information is correct. You are entitled to receive your credit report once a year for free.
