Access ID and Password - Our system is designed to limit online account access to those possessing the Access ID and Password associated with your account(s).
Encryption - We have encryption technology in place (currently, 128 bit SSL) that allows for the protection of data in transit between your computer and ours. The closed lock icon will usually indicate whether a communication session is encrypted.
Firewalls - Our computer systems include "firewalls" that we monitor and that are designed to protect against unauthorized access to our systems.
Timeout - Our system is designed to log you off automatically after several minutes of inactivity.
Your Account Number - Generally, we only display the last three digits of your account numbers online (to prevent people looking over your shoulder from seeing the full number).
Things you should do to protect yourself online:
User ID and Password - Please follow these rules to protect yourself:
- Never disclose your User ID or Password to anyone else
- Memorize your User ID or Password, don't write them down
- Change your password frequently
- Don't use birth dates, names, or other easily guessed letters or numbers
- Don't be taken in: WE WILL NEVER SEND YOU AN EMAIL ASKING FOR YOUR USER ID OR PASSWORD.
Log Out - When you are done online, log out (look for the Log Off link we provide). We suggest you do this before you shut your computer off and before you surf to any other web sites.
Email - Don't use email to send us sensitive information (such as Social Security numbers, account numbers, etc.).
"Phishing," Spoofs, Hoaxes and other Deceptive Emails - Be careful when responding to emails that look like they are from us, a regulator or an auditor. Many thieves or hackers will send you an email that will ask you to click on a link that takes you to a web site (or pop-up window) where you will be asked to "confirm," "verify," "update" or otherwise provide sensitive information (such as your account number, password, PIN, or Social Security number). Sometimes these emails will falsely say that your account will be shut down if you don't act quickly. Don't be intimidated by these threats. These links, web sites and pop-up windows may look like ours, but will really just take you to the thief (sometimes you can tell because there will be misspellings or transposition of letters in the link or web site address). Clicking on one of these links can expose your computer to viruses and spyware, even if you don't supply the sensitive information they want. We will never send you an email that asks you to verify an account number, password, PIN or Social Security number. If you receive such a request, it is probably fraudulent. If you have any doubts about whether an email from us is authentic, don't reply to it, open any attachment or use the link in the email. To contact Minden Exchange Bank please find the applicable telephone number on the Contact Us page.
Spam - Don't open attachments in emails if you don't know who the sender is. Attachments can contain viruses and spyware. Delete unwanted email.
Links to other Web Sites - If you click a link to another web site, that web site may collect, use and disclose information about you in ways that are different from what we do. You should review that web site's policies. We are not responsible for what the operators of other web sites do with your information. Generally, we will give you a pop-up notice to let you know you are going to an unaffiliated third party's web site.
Security for your own Computer - Protect your own computer by doing these things:
- Keep your operating system and browser up to date
- Install a personal firewall
- Install anti-virus software and keep it up to date
- Scan your computer for spyware on a regular basis
- Don't download programs or files from unknown sources
- Install a pop-up blocker from a trustworthy source
- Disconnect from the internet when you are not online
Online Banking - Our Online Banking system provides you with the date and time of your last session ("last logon"). This allows you to check the most recent online session and could tell you whether someone else has been accessing your information.
Additional things you should do to protect yourself:
Your Account Number - Don't share your account number with anyone. Don't give your account number to someone over the phone, especially if you did not call them. Beware that some people may try to trick you by saying that they need your account number in order to award you a prize. Store new and cancelled checks, account statements and other sensitive information in a safe place.
Don't Share your Cards - Don't share your ATM, debit or credit cards with anyone.
Review your Accounts - Review your online account information frequently and your statements promptly. Let us know right away if you see something you don't recognize. Balance your checkbook every month. If you don't receive a statement, let us know right away.
Review your Credit Reports - Obtain and review a copy of your credit report periodically. This is one way to find out about identity theft.
Your Mailbox - Check your mailbox every day, don't leave your mail there for thieves to steal. Consider dropping your outgoing mail in a US Postal Service mailbox (instead of your home mailbox). Use Online BillPay and sign up for Paperless Statements if those providers offer this service.
Your Telephone - Don't give sensitive information to unknown callers. Hang up and call the company you want to talk to yourself, using a phone number that you located in the phone book or your own records. We will never make an unsolicited telephone call requesting sensitive information from you.
Your Garbage - Shred materials containing sensitive information before you throw them away.
Identity Documents - Don't carry your Social Security card, birth certificate or passport in your wallet or purse.
Social Security Number - Don't print your Social Security number or driver's license on your checks.
If you are a victim of Identity Theft. Follow these three steps:
1. Contact the fraud departments of each of the three major credit bureaus and report that your identity has been stolen. Ask that a "fraud alert" be placed on your file and that no new credit be granted without your approval.
Equifax Toll-free phone number: 1-800-392-7816
Experian Toll-free phone number: 1-800-682-7654
TransUnion Toll-free phone number: 1-800-888-4213
2. For any accounts that have been fraudulently accessed or opened, contact the security departments of the appropriate creditors or financial institutions to close these accounts. To contact Minden Exchange Bank, please find the applicable telephone number on the Contact Us page.
3. File a report with your local police or the police where the identity theft took place. Get a copy of the report in case the bank or credit card company needs proof of the crime at a later date.
Rev. June 2010