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Conducting Your Transactions Online


Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeover and fraudulent electronic funds transfers.

In order to help ensure the security of your online transactions, we want you to know that:

  • We will never E-mail, call or otherwise ask you for your user name, password or other electronic banking credentials

  • You can help protect yourself by implementing alternative risk control processes like

    • Making sure you choose an adequate user name and password that, at a minimum, mixes in small case letters, upper case letters and numbers.

    • Periodically changing your password (e.g., at least every 90 days, or any time you suspect suspicious activity)

    • Having up to date virus protection software and/or Malware security software

    • Safeguarding your user name and password information

    • Making sure you have a firewall in place when conduction financial transactions

    • Logging off the system when you’re done conducting business don’t just close the page or “x” out of the system)

    • Monitoring your account activity on a regular basis


    In addition we may require owners of commercial accounts to perform their own risk assessments and controls evaluations. For Example:

    Make a list of the risks related to online transactions that your business faces including but not limited to:

    • Password being written down and left out in the open.

    • The use of old or inadequate passwords

    • The possibility of internal fraud or theft

    • Delays in terminating the rights of former employees

    • The lack of dual control or other checks and balances over individual access to online transactions capabilities.


    An Evaluation of controls your business uses may include

    • Using password protected software to house passwords in

    • Conducting employee background checks

    • Initiating a policy and process to terminate access for former employees

    • Segregating duties among two or more people so no one person has too much access or control

    • Conducting internal or third party audits of controls

    • Using firewalls to protect from outside intrusion or hackers


    Federal regulations provide consumers with some protection for electronic funds transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer’s liability for unauthorized electronic funds transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, preview your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Funds Transfer disclosures that were provided at the account opening for more information on these types of protections. (Or ask us and we will gladly provide you with a copy).


    If you become aware of suspicious account activity, you should immediately contact the authorities and contact us at (870) 226-2621

    Equal Housing Lender
    201 South Main
    P.O. Box 350
    Warren, Arkansas 71671
    Phone: 870-226-2621
    Member FDIC