Country Bank is Keeping You Safe and Secure

Country Bank employs the latest technology available to keep your online banking with us safe and sound. Our online banking services are routinely audited to ensure they comply with current banking regulations. While our Privacy Policy outlines the use, collection and retention of client information, the following information may help maximize the security of your online banking experience.

Online Account Security

Every effort is made to ensure that your account information is protected from unauthorized access. For questions regarding security, please (212) 818-9090 and ask for our Information Technology Department.

Security Features

  • All online banking data transmitted to us is encrypted, helping to make the data useless if intercepted. This secure connection is established before a User ID and Password can be transmitted.
  • Country Bank utilizes multi-factor authentication, including the use of a “watermark”, to keep you safe. A watermark is a personalized image that is selected by you. If you ever attempt to sign on to the system and do not see your watermark, DO NOT CONTINUE to sign on.
  • Our Internet banking tracks your individual usage patterns. If the system detects unusual activity, it will demand that a security question be answered to verify your identity.
  • Password guessing (brute forcing) is prevented with an account lockout feature. Our systems will automatically lock a user out when an incorrect password is entered multiple consecutive times.
  • Users are required to update their password every 180 days in order to minimize the risk of unauthorized access.
  • The date of last access to the system is displayed after logging in so that users can verify that no one else has used their account.
  • All Online Banking sessions have a time limit for inactivity, which will log a user out of the system in order to prevent someone else from accessing their information.

Security Guidelines

The following information can help keep your confidential information safe while using our online banking services. Although Country Bank works hard to maintain a high level of security on our systems, we are not responsible for any breach of security that is beyond our control.

  • Do not share your login information with anyone else. If you think your information has been compromised, change your password immediately online and call your local Country Bank branch.
  • Choose a hard to guess password by using random letters, numbers and symbols. Do not use words that can be found in a dictionary, or information related to you such as your name, address, birth date, etc.
  • Disable any “AutoComplete” or similar features on any computer you use for online banking.
  • Do not write down your password or reveal it to anyone, including bank associates.
  • Remember to log out when you are finished banking online, or are leaving the computer unattended.
  • Avoid using unfamiliar computers to conduct any online banking, as they may be compromised.
  • Avoid using regular e-mail to share information about your account with Country Bank; instead, contact us through the secure Message Center available within Online Banking or call your local branch directly.

Making your Personal Computer safe

  • Learn to use built-in security features that are provided with your Internet browser instead of disabling them.
  • Keep your system and applications current with updates from the vendor’s website. For example, use Microsoft’s Windows Update feature and install any Critical Updates and Service Packs that are available.
  • Use virus and spyware protection software and keep it up-to-date in order to detect new threats.
  • Use a software or hardware firewall to protect your computer from network intrusion.
  • Make sure that any wireless network you connect your computer to is secured and requires encryption.
  • Do not download files, install software, or open email attachments from unverified or unknown sources.

Cybersecurity Tips for Protecting Your Mobile Device 

  • Use the passcode lock on your  smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.      
  • Log out completely when you finish a mobile banking session.
  • Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
  • Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary permissions.
  • Download the security updates for your phone and mobile apps.
  • Avoid storing sensitive information like passwords or a social security number on your mobile device.
  • Tell your financial institution immediately if you change your phone number or lose your mobile device.
  • Be aware of shoulder surfers. The most basic form of information theft is observation.
  • Wipe your mobile device of all data before you donate, sell, or trade it using specialized software or using the manufacturer's recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
  • Beware of mobile phishing. Avoid opening links and attachments in email and texts, especially from senders you do not know. And, be wary of ads claiming that your device is infected.
  • Watch out for public wi-fi. Public connections are not secure, so do not perform banking transactions on a public network. If you need to access your account, disable the wi-fi and switch to your mobile network.
  • Report any suspected fraud to your bank immediately.

Fraud Prevention

Country Bank does not solicit personal information by means of email or telephone. If you receive an email or phone call requesting confidential information from someone claiming to represent Country Bank, do not respond to the message. If you receive an unsolicited request for confidential information by phone or email from someone claiming to be an associate of the bank, please inform Country Bank immediately by calling (212) 818-9090 and asking for the I.T. Department.