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Security

'Security' is our middle name for a reason

You want to protect and defend your assets. We're here to help you with the knowledge and resources to do just that. Below is some information which helps address some of the most prevalent security threats active today.

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 takeovers and fraudulent electronic funds transfers.

In order to ensure the security of your online transactions, we want you to know that we will never email, call or otherwise ask you for your user name, password or other electronic banking credentials.

How You Can Help to Protect Yourself

Alternative Risk Control Processes
  • 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)
  • Safeguarding your user name and password information
  • Making sure you have a firewall in place when conducting your 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
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Commercial Account Risk Assessment and Controls Evaluations

Make a list of the risks related to online transactions that your business faces, including:
  • Passwords 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 transaction 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
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Federal regulations provide consumers with some protections 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, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections. These disclosures are also available online (or ask us and we will gladly provide you with a copy).


More Information?

Click here to download a PDF copy of "Conducting Your Transactions Online", and learn to avoid situations that could be risky business.
This document requires Adobe's free Acrobat Reader  7 Practices for Computer Security
This document requires Adobe's free Acrobat Reader  Malware
This document requires Adobe's free Acrobat Reader  Email Scams
This document requires Adobe's free Acrobat Reader  Security for Corporate Account Takeovers
If you become aware of suspicious account activity, you should immediately contact the authorities and contact us at (469) 398-4800.
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Effective July 21, 2010, the basic limit on federal deposit insurance coverage was permanently increased from $100,000 to $250,000 per depositor.
Important disclosures regarding the guarantee program.
Securities and Insurance Products not insured by FDIC or any Federal Government Agency - May lose value - Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate.
Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security, or accessibility standards as ours. Texas Security Bank neither endorses nor guarantees offerings of the third party providers, nor is Texas Security Bank responsible for the security, content, or availability of third-party sites, their partners, or advertisers.
Insurance products are offered through non-bank affiliates of TSB and are underwritten by unaffiliated insurance companies.
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