Executive National Bank is pleased to offer Internet banking (eBanking). Delivering these services requires a solid security framework that protects you and our institution’s data from outside intrusion. We are committed to working with our Internet service and communications providers to produce the safest operating environment possible for our customers. There are several levels of security within our security framework: User, Server and Host levels.
The User Level deals with cryptography and Secure Sockets Layer (SSL) protocol, and is the first line of defense used by all customers accessing our Banking Server from the public Internet. There are several components of User Level security that ensure the confidentiality of information sent across the public Internet. The first requires your use of a fully SSL-compliant 128 bit-encrypted browser such as Netscape Navigator or Microsoft Internet Explorer. SSL is an open protocol that allows a user’s browser to establish a secure channel for communicating with our Internet server. SSL utilizes highly effective cryptography techniques between your browser and our server to ensure that the information being passed is authentic, cannot be deciphered, and has not been altered en route. SSL also utilizes a digitally signed certificate, which ensures that you are truly communicating with the Online Banking Server and not a third party trying to intercept the transaction.
After a secure connection has been established between your browser and our server, you then provide a valid User ID and Security Code to gain access to the services. This information is encrypted, logged by the server forming another complete physical security layer to protect the server’s information, and a request to log on to the system is processed. Although SSL utilizes proven cryptography techniques, it is important to protect your User ID and Security Code from others. You must follow the Security Code parameters we specify at the time you sign up for an Internet banking (eBanking) account. We also recommend changing your Security code often. Session time-outs and a limit on the number of logon attempts are examples of other security measures in place to ensure that inappropriate activity is prohibited at the User Level.
Our service provider continues to evaluate and implement the latest improvements in Internet security technology, you as a user of the online banking system also have a responsibility for the security of your information and should always follow the recommendations listed below:
Server Level focuses on firewalls, filtering routers, and our trusted operating system.
All transactions sent to our Banking Server must first pass through a filtering router system. These filtering routers automatically direct the request to the appropriate server after ensuring the access type is through a secured browser and nothing else. The routers verify the source and destination of each network packet, and manage the authorization process of letting packets through. The filtering routers also prohibit all other types of Internet access methods at this point. This process blocks all non-secured activity and defends against inappropriate access to the server.
The Banking Server is protected using the latest firewall platform. This platform defends against system intrusions and effectively isolates all but approved customer financial requests. The platform secures the hardware running the Online applications and prevents associated attacks against all systems connected to the Banking Server. The system is monitored 24 hours a day, seven days a week for a wide range of anomalies to determine if attempts are being made to breach our security framework.
Host Level deals specifically with our Internet banking (eBanking) services, and the processing of secure financial transactions.
Once authenticated, the customer is allowed to process authorized Internet banking (eBanking) transactions using host data. In addition, communication time-outs ensure that the request is received, processed, and delivered within a given time frame. Any outside attempt to delay or alter the process will fail. Further password encryption techniques are implemented at the host level, as well as additional security logging and another complete physical security layer to protect the host information itself.
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.
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