Criminals are soliciting customers by email in an effort to illegally obtain personal information. The email address and the website address may appear almost identical to those of legitimate financial institutions. The email will claim that there is a problem with an account and will provide a link to a site that may look authentic. You will be asked to input personal information such as bank account numbers, PINs and a Social Security Number. These e-mails attempt to trick customers into supplying sensitive personal data. This fraudulent practice is often called “phishing” or “spoofing”. Contact your real financial institutions’s web site or call them directly.
IMPORTANT: If you receive an e-mail requesting personal information, you should not provide it or click on a link – even if it looks like the request comes from a legitimate website.
Below is a sample phishing e-mail recently sent to other bank customers:
Subject: Found error! Please resubmit bankname.com urgenos
Security Key: dlruzfujrkszkq45j634bs7muof nnwhgg
Dear BankName Customer: During our regular update and verification of the Internet Banking Accounts, we could not verify your current information. Either your information has been changed or incomplete, as a result your access to use our services has been limited. Please update your information. To update your account information and start using our services please click on the link below: http://www.bankname.com/internetBanking/RequestRouter?requestCmdid=DisplayLoginPage
Note: Requests for information will be initiated by BankName Business Development; this process cannot be externally requested through Customer Support.
Sincerely, BankName Accounts Department.
Contact your Customer Service Representative immediately if you suspect Identity theft or fraud involving any of your The Savannah Bank accounts.
|Contact Name||Web Site||Phone Number|
|Equifax||http://www.equifax.com||Fraud Line: (800) 525-6285|
|Experian||http://www.experian.com||Fraud Line: (888) 397-3742|
|Trans Union||http://www.transunion.com||Fraud Line: (800) 680-7289|
|Federal Trade Commission||http://www.ftc.gov||Fraud Line: 1-877-IDTHEFT|
Secure Sign On is a service to help protect you from fraudulent online activity. It provides you with visual cues when you sign on so you know that you are on our website and it safe to enter information. Secure Sign On also helps us ensure that only authorized individuals can access financial information online.
By completing three easy steps. First, select a picture and enter a phrase you want to use as confirmation that you are on our website. Then, set up confirmation questions that help us ensure that only authorized individuals are accessing your account information. Last, decide whether to register this personal computer as an authorized location from which to access your account information.
The information you enter in the setup process is not saved until you complete the final confirmation step and click “Submit.” If you exit the process before this final step, you will lose the information you have set up and will need to start the process again
To register this computer as an authorized location for accessing your account information, your Internet Browser must be set to accept permanent cookies. Most browsers accept cookies as a default setting. If you haven’t customized this setting, you’ll probably not need to make any changes. If you do need to change the Internet cookie setting to accept permanent cookies, follow the instructions provided in the Internet browser’s help file to complete this task. If you do not want to make this change, you will be able to sign on using the confirmation questions for validation.
Once you set up Secure Sign On, your password will not pre-fill. Secure Sign On uses a multi-page signon process that does not allow your browser to anticipate your password entry. While the Auto Complete feature may be helpful for some things, it can also seriously compromise your security and privacy. If a password is saved in the browser on a public computer, that information is available to others for use or theft.
Account aggregation lets you see the information from all your online accounts on one website. The firm operating the account aggregation service logs in as you and uses your security information to get your information for you. Once you set up Secure Sign On, these services may not work with the user ID and password you provided them because Secure Sign On uses a multi-page signon process. Confirmation questions and cookies are also used as additional security information.
The picture and phrase are our way of telling you that you are at our legitimate website. This protects you from a fraudulent internet activity known as phishing. They are always displayed when you sign on, forget your password, or need to change a temporary or expired password. If you enter your user ID and the next screen does not show your picture and phrase, do not enter any personal information. Instead, re-enter your user ID or contact us for assistance. If you do not see your picture and personal phrase on these pages, do not enter your personal information.
Phishing is an Internet fraud technique that is used by criminals to trick you into giving them personal information. Phishing occurs when a criminal sends you an e-mail message with a link to what may appear to be our website – but it is actually a fake. On this fake website, you will be asked to enter personal information, such as your social security number, account number or credit card number. Phishing is a fraudulent act aimed at stealing your identity and private account information. Phishers set up a phony website that looks like the site of a trusted company to trick you into disclosing your user ID and password.
No. Your personal phrase lets you know that you are at our website and not an imposter site. It should not contain personal information like your password because it is displayed when you sign on, forget your password, or need to change a temporary or expired password and may be seen by people when you complete these tasks.
Yes. Your picture and personal phrase are always displayed when you sign on, forget your password, or need to change a temporary or expired password and may be seen by people when you complete these tasks. Don’t worry if someone sees your picture and phrase. It’s just our sign to you that you are at our website.
To change your picture and personal phrase, you must go through the Secure Sign On Setup process again and re-establish your confirmation questions as well. If changes are required, please call customer service.
Confirmation questions are used as an additional form of identification when you sign on from a computer that has not been registered. They are also used to verify your identity if you forget your password or need to change a temporary or expired password. These extra security measures help us insure that only authorized individuals access your financial information.
To change your confirmation questions, you must go through the Secure Sign On Setup process again and re-establish your picture and personal phrase as well. If changes are required, please call customer service.
Confirmation questions must be answered to access your account information from an unregistered computer. Answers are not case sensitive but the information and spelling must match what was entered during setup. You will have several opportunities to answer the questions correctly before access to your account information is disabled. If you are not able to access your account information, please contact us for assistance.
We store a permanent cookie on the computer that enables us recognize it as an authorized location to access your information online. The next time you sign on, we will recognize the location and you will not be asked to answer confirmation questions as part of the signon process.
A cookie is a small text file that a web server can store on a user’s computer. The cookie we store on your computer is only used by us when you access your account information online. It is not used to track your Internet activity and cannot be used by others to access your information.
Registering your computer is another security measure to protect your financial information. With your user ID and password, this information helps us prevent unauthorized access to your accounts. On a registered computer, you are not asked to answer confirmation questions when you sign on – making it faster to access your account information.
Yes. Each time you sign on using an unregistered personal computer, you will be given an opportunity to register it.
We don’t recommend registering public computers to access your financial information online. Public computers can be used by many individuals and aren’t typically as secure as a personal computer. When you use public computers, we will ask you additional questions before you sign on to protect your personal information. Examples of public computers include, computers available at a library, coffee shop, or other public locations.
No, someone cannot access your account information online simply because the computer has been registered. In addition to the cookie we use to register a computer, your user ID and password are needed to sign on from an authorized location. If you are concerned about a cookie that has been left on a public computer, we suggest that you change your password and/or user ID. The cookie does not contain this information and is useless if these other identifiers are not presented properly. Cookies are also updated periodically as an additional security measure.
If more than one person is commonly using this computer to access information for accounts they have with us, each person should register the computer for faster access to their information. Registered locations are saved for each customer.
You may be asked to register this computer again if the cookie is deleted or if your Internet browser doesn’t allow permanent cookies. Also, if you use more than one Internet browser on your computer, you will be asked to register this computer the first time you use a different browser. Note: If your Internet browser doesn’t allow permanent cookies, you can change your cookie settings using the instructions provided in the Internet browser’s help file.
No. Cookies are small text files that can only be retrieved by the website that stored it on your computer. These websites cannot look at any other cookie or anything else on your machine. The cookie we store on registered computers are only used to ensure that an authorized location is accessing your account information. It is not used to track your Internet activity and cannot be used by others to access your information.
We recommend that you use anti-spyware and firewall software on all your computers. However, some anti-spyware and firewall software do not allow cookies to be stored on a computer. If your anti-spyware or firewall software do not allow cookies, you may not be able to register your personal computer. Some anti-spyware software may give you an option to remove cookies. If our cookie is removed, your personal computer will no longer be registered and you will be asked to answer confirmation questions the next time you sign on.
You are the first line of defense for your online account security. We recommend that you:
As often as needed but only once per day. Once you are signed on, go to Customer Service to make the change.
Click the Forgot Your Password link on the Login page. If this link isn’t displayed, please contact Customer Service for assistance.
Following your initial enrollment into Online Banking, you will be permitted to change your user ID only once. While we do recommend that you change your password as often as needed to prevent it from being compromised, it is not wise to change the user ID, which uniquely identifies you as a user of the Online Banking service.
Secure Sign On protects you from identity theft and fraud in two ways:
During the setup process, you will choose a picture from a picture catalogue and create a phrase. This picture and phrase will be shown after you enter your User ID so you’ll know you are in the right place.
It will look something like this:
Safe at my bank.
If you don’t recognize your picture and personal phrase, do not enter your personal information. Instead click “Cancel,” and try to sign on again, or contact us for assistance.
If you don’t see your picture, or if you see the wrong picture, you should not enter any information. Go back to the main Web site and log in again, or call us and let us help you.
After you set up Secure Sign On, we will have two additional ways to identify you:
Every time you sign on, we will ask for one of these, in addition to your ID and password.
We can recognize you based on the computer you use to access online banking. If you sign on from your own computer, we can mark it with a browser cookie that helps us recognize you every time you sign on.
If we don’t recognize your computer, we will ask you two confirmation questions. These are personal questions you have selected during setup to help us to recognize you when you log on from a new computer.
Setup will only take a few minutes. There are three easy steps:
Once the service is fully implemented, we will offer you the opportunity to set up Secure Sign On the next time you come to Online Banking.
Using Secure Sign On is easy. First, after you enter your User ID, look for your picture and phrase before going further. It should be something you recognize.
If you sign on from a recognized computer, all you’ll need to do is enter your password. You’ll then be securely signed on to Online Banking.
Please note that some browsers allow you to save your password, so you don’t have to enter it every time you sign on. For security purposes, you will no longer be able to do this with Secure Sign On. In the future, you will be asked to type in your password each time you sign on to Online Banking. If you need help or can’t remember your password, call customer service.
When you are using an unregistered computer, you’ll be asked to answer two of your confirmation questions. Once you answer the questions, you’ll be securely signed on to Online Banking.
As an additional benefit, if you forget your password and we recognize your computer, we’ll be able to reset your password once you answer the two confidence questions.
With these easy steps, you can continue to enjoy the added security and convenience of Online Banking, knowing you have extra protection from online fraud.
This website is intended for U.S. residents only. You can visit our website, without providing your name, e-mail address or other information that personally identifies you. We will only obtain information that personally identifies you when you choose to provide it.
“Non-Persistent” cookies track the way you click through our website on a single visit. These non-persistent cookies are deleted when you close your browser.
“Persistent” cookies enable us to remember you when you return to our website. Your web browser will send cookie information from your previous visits back to us when you reaccess our site. Persistent cookies remain on your computer after you close your browser.
Disabling Cookies. You can set your computer to refuse to accept cookies. However, if you do so, you may not be able to obtain some services online, such as OnLine Access and credit card applications, and may find our site harder to navigate.
OnLine Access. When you sign up for OnLine Access , the information you provide to us is handled by server software protected by Secure Socket Layer (SSL). The information you enter is encrypted before it is sent and decoded when it reaches us.
Contacting us by Email. Please be aware that if you communicate with us by e-mail, send us your resume, contact Investor Relations or use our Contact Us page, you are not using a secure means of communication and should not send confidential information, such as Social Security or account numbers, through such unsecured channels. When you send us an e-mail, we may retain the content of the e-mail, your e-mail address and our reply in order to track how we have handled your request.
Our website provides you with tools that allow you to calculate a variety of financial needs, such as mortgage payments, loan payments and savings calculations. We do not retain information you enter after you leave The Savannah Bancorp website.
This website is not intended for use by children under the age of 13 and we do not knowingly collect information on this website from children under the age of 13.
Changes to The Savannah Bancorp Online Privacy Practices
If we make changes to our Online Privacy Practices, we will post the revised Online Privacy Practices on this website and change the “Effective” date at the top of the Online Privacy Practices. Checking the “Effective” date above will allow you to determine whether the Online Privacy Practices have been changed since your last visit to our website.
If you have questions regarding The Savannah Bancorp Online Privacy Practices, you can contact us at P.O. Box 238, Savannah, GA 31402
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The Savannah Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. For purposes of the transaction account guarantee program, the FDIC is including the following accounts as “noninterest bearing": NOW accounts with interest rates no higher than 0.50% (when the account agreement states that the rate won’t rise above 0.50%) IOLTA accounts
Lost/Stolen card reporting