At Terrabank we go to great lengths to protect your personal information and ensure Terrabank Online Banking is secure. If you ever doubt the legitimacy of any e-mail claiming to originate from Terrabankor if you believe you may be the victim of misuse of your personal information in the online environment, please contact email@example.com. You may also contact our Customer Support Center during business hours at (305) 223-7219.
Visitors to this bank's website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as: date and time our site was accessed, IP address (a numeric address given to servers connected to the Internet), Web browser used (city, state, and country). The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors may elect to provide us with personal information via E-mail or online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Our Online Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Online Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Online Banking transactions are secure.
Terrabank Online Banking is Safe and Secure
Terrabank is committed to protecting your privacy when you visit our website. All information you share with us will be treated with the strictest confidentiality at all times.
Your personal information will not be disclosed outside Terrabank, except in circumstances advised to you at the time you apply for a product or service.
What you can do
We are committed to ensuring your security and privacy and we take strong security measures to protect your information. However, there are also some important steps you should take as a customer. You can use the information below as a guide to help you protect yourself online.
Change default passwords on network devices
Your home or business networking equipment (such as ADSL modems, Local Area Network (LAN) and Wireless Access Points/Routers), by default, can be visible from the Internet. If you use default passwords, someone may have the ability to access your home or business networking equipment over the Internet and change settings that will compromise or bypass network security. To prevent unauthorized access, you should immediately change the default passwords on all home or business networking equipment.
What can I do to ensure my online account information is safe?
Online security starts with your web browser. You can protect yourself online by using an up-to-date browser with the most recent security updates. To get online access, you will need a browser that uses a minimum 128-bit encryption technology. Currently, to access your Terrabank Online Banking online accounts, we highly recommend that you use one of the following:
Microsoft Internet Explorer
Mac OS X 10.7.4 “Lion”
Microsoft has discontinued support for Windows XP on April 8, 2014. We strongly recommend that our customer do not use this Operating system.
For maximum security, always use the latest browser version. Beta versions of browsers and operating systems are not recommended or supported. Additionally, if a browser or operating system is no longer supported by the vendor, it is not supported by us.
Below are some additional tips that will help protect your online experience.
Passwords are used by computer systems and web sites to verify your identity. When you sign in to a banking site, you need to provide a password to get access to your accounts. If someone else knows or guesses your password, they can access the same accounts.
Always choose unique passwords that are hard to guess. Longer passwords are more difficult to figure out than shorter passwords, especially if you mix letters and numbers. You should also avoid choosing passwords that are obvious, such as family names, birthdays and telephone numbers that might be easy for others to figure out.
Remember to Log off
When you are finished banking, remember to log off. We recommend that you clear your browser cache after you log off, or close your browser and re-open it before browsing the Internet. This will ensure that any information that is cached or stored on your computer or in your browser is erased, preventing others from being able to view this information later.
Clear your browser's cache
Your browser cache maintains a copy of web pages that have been viewed recently. Once you have finished banking and have signed off of the Terrabank Online Banking web site you should clear your browser's cache, especially if you are using a public or shared computer.
Make sure you have anti-virus software
Computer viruses and worms receive a lot of media attention because they can spread quickly and wreak havoc on personal computers and corporate networks. There are various forms of computer viruses on the Internet that target online financial services.
Protect your computer by ensuring you have an anti-virus program installed and that you update it regularly. Most anti-virus programs offer automatic upgrades to help ensure you are always up to date. Viruses can damage your computer, lead to the loss of your files, and some can capture information from your computer and send it across the Internet to other computers.
Do not open attachments to e-mails unless you trust the person or company that sent you the e-mail. Ensure your anti-virus program automatically scans your e-mail attachments for viruses.
Use a personal firewall
Any computer or device connected to the Internet that is not properly protected is vulnerable to hackers. This applies to all cable modem, digital subscribe line (DSL) and dial-up users. The likelihood of a hacker entering your computer increases the longer your computer is on and connected to the Internet.
A personal firewall will help protect your computer. Firewalls create a barrier between your computer and the rest of the Internet. A firewall can be a hardware device, a software application or a combination of the two. Firewalls can prevent hacker attacks and block certain types of data from entering your computer or private network. They can also be set up to alert you if anyone tries to access your system.
Microsoft Windows and Apple MacOS X both include basic personal firewalls, but you must activate them to be effective.
Install security updates
Most personal computers use the Microsoft Windows operating system. The makers of these systems regularly issue security updates to protect against new and emerging threats. You should download and install security updates regularly or configure your operating system to automatically check for new updates.
Windows: To download the latest Microsoft Windows updates, visit “Windows Update”.
MacOS X: Choose "Software Update" from the Apple menu.
Beware of e-mail fraud
The Internet is the most convenient method of doing business but we must always be vigilant and maintain the highest security possible. There are a number of different ways in which you can be targeted by criminals but the newest threats are email fraud, identity theft, phishing and pharming.
Be wary of e-mails that ask for personal information and NEVER provide your personal passwords, personal information numbers or sign in information for Terrabank Online Banking.
Perpetrators who "phish" for information will try to encourage you to disclose sensitive information such as your password, bank account and credit card numbers, and Personal Identification Numbers (PINs) via seemingly legitimate e-mails or Internet websites. Fraudulent e-mails may be very convincing, and may appear to have been sent by a legitimate and trusted source with which you do business e.g. your bank. Most will come in the form of an e-mail request to "update" or "validate" your financial or personal information. Some of these e-mails will direct you to a fraudulent website for updating your information. Often the website will look very similar to the legitimate website.
Perpetrators who "pharm" for information will do so by hacking into DNS server software. (DNS servers are the giant computers that "run" the Internet). These computer hackers look for any vulnerability in the DNS software through which they can acquire the domain name of a website and re-direct traffic from that website to another fraudulent website.
There are a few simple precautions that you should always remember and follow to protect yourself against fraudulent practices such as 'phishing' and 'pharming':
Terrabank e-mail best practices
Terrabank does not send e-mails:
Beware of identity theft
Take steps to protect yourself against identity theft, including protecting your personal information, memorizing your passwords and reporting thefts and losses immediately.
Look for privacy policies on other web sites
General dos and don'ts
© Copyright 2019 Terrabank, N.A.
All Rights Reserved.
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving TerraBank's Web site and linking to a third party site. Please be advised that you will then link to a Web site hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of TerraBank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. TerraBank assumes no liability for the content, information, security, policies or transactions provided by these other sites.