Online Security

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Online Banking Security

The online banking product was built using industry–approved security technologies to protect data for the bank and for you, our customer. It features a password–controlled system entry, an issued Digital ID for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

When you log in to online banking, your browser establishes a secure session with the online banking server. The secure session is established with SSL encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and the server. Both sides require the keys as the message is scrambled when sent and de–scrambled when received. The SSL protocol not only ensures privacy, but also ensures that no other browser can “impersonate” your browser, nor alter any of the information sent.

The strength of the encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grow, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. We use 128–bit SSL encryption and we recommend that you use a 128–bit capable browser.

Requests must filter through a router and firewall before they are permitted to reach the server. A router is a piece of hardware that works in conjunction with a piece of software, known as a firewall, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Multi–Factor Authentication

In order to make your online banking experience as secure as possible, we have activated a new security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected we will verify your identity with unique questions that you previously picked and answered. Multi–Factor Authentication has been implemented to better protect you and your information.

Protect Your Information From “Phishing”

Beware of Phishing! (Pronounced fishing) Phishing involves the use of seemingly legitimate email messages and Internet websites to trick customers into disclosing sensitive information, such as bank account information, social security numbers, credit card numbers, passwords, and personal identification numbers (PINS). The fraudulent email message usually requests the customer to update or validate their financial or personal information in order to maintain their accounts, and directs them to a fake website that may look like the website of a legitimate business.

Some consumers will mistakenly submit financial and personal information to the perpetrator who will use it to gain access to financial records or accounts, commit identity theft or engage in other illegal acts.

Please be advised that Third Coast Bank SSB does NOT send email messages to its customers asking for verification of any personal information.