July 8, 2008
At Central Bank, your Privacy and Security is our number one priority.
We are committed to protecting your privacy and providing utmost security to our customers. We routinely upgrade our technology and constantly monitor our systems to provide you the highest level of protection possible.
With Online Banking, you can be confident that your Central Bank accounts will be secure and protected. We guarantee $0 liability for any unauthorized activity originating from Online Banking, including Online Banking Bill Pay. To preserve your rights under this guarantee, read Your Responsibilities for information about reporting unauthorized transactions.
What can I do to keep my information secure?
Click here to view our Privacy Policy
If you have questions, contact us, call us at 765-883-5501 or visit the branch location nearest you.
Central Bank's Online Banking system uses industry-standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol, data encryption, public-private key pair, firewalls and filtering routers. Each security component acts as a layer of protection to safeguard sensitive data from unauthorized users.
This system requires customer identification through a private login ID and PIN before you can get into the front-end of the system. You should keep this login ID and PIN absolutely private.
Once you have logged on correctly, you will enter a secure environment in which you can conduct your transactions. The browser automatically secures the session using Secure Socket Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with what is called the public and private key pair. As Netscape, the developers of the technology, put it, "Data that is encrypted with the public key can be decrypted only with the private key. Conversely, data encrypted with the private key can be decrypted only with the public key. This asymmetry is the property that makes public key cryptography so useful" (taken from home.netscape.com/assist/security/ssl/howitworks.htm).
Finally, once requests arrive at the data center, the server is protected by a series of firewalls and routers which verify the source and destination of the requests traveling in information packets. The firewall is set up to reject any unauthorized traffic. This reemphasizes the importance of the PIN, which is the only legitimate entry into the program. The firewall "opens holes only when necessary and closes them back down as soon as useful work is completed". The purpose of the router is to keep out traffic that does not emanate from one of the only two legitimate ends of a secured transaction: the customer or the bank.
You can help us keep your information secure by protecting your Online Banking Login ID and PIN.
- Don’t use obvious numbers or easily accessible information for your Login ID and PIN.
- Ensure that no one is watching when entering your Login ID and PIN.
- Don’t record your Login ID and PIN on paper. Try to memorize them, if possible.
- If you do record your Login ID and PIN, keep them in a safe, secure location.
- Do not share your Login ID and PIN with anyone.
- Review your account information often. Report any unusual activity immediately.
- If you’ll be away from your computer for any length of time, log out of Online Banking.
- Never give account information to anyone over the telephone unless you’ve initiated the call.
Review your account statement regularly and report any unauthorized activity promptly.
Central Bank promises you will not be responsible for any unauthorized activity originating from Online Banking. We will reimburse you for funds transferred from your accounts up to the amount of your loss when you notify us within sixty (60) days of the transaction first appearing on your statement. If you do not notify us within these 60 days, you may not be reimbursed for subsequent transactions. In addition, we will reverse or reimburse you for any bank or payee fees resulting from your loss.
Protect your Online Banking ID and PIN.
You should always guard you Online Banking ID and PIN from unauthorized use. If you share this information with someone, all transactions they initiate with the information are considered authorized by you, even for transactions you did not intend for them to make.
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