CONDUCTING
ONLINE BANKING TRANSACTIONS
SAFELY

To help ensure the security of your online transactions, Community State Bank wants you to know………..

· We would never call, email or ask you for your password or username. Protect yourself by changing your password every 60 – 90 days. Do not share your electronic information.

· Help protect yourself by choosing an adequate user name and password. Mix uppercase and small case letters, as well as adding in numbers.

· Purchase and have in place a firewall when doing your banking transactions.

· Always Log Off the system when you are done conducting business. Do Not just close the page or “X” out of the system.

· Monitor your account activity on a regular basis.

CSB may require owners of commercial accounts to perform risk assessments and controls evaluations.
Make a list of the risks related to online transactions, for example:

· Passwords being left in the open

· The use of old passwords

· The possibility of internal theft or fraud

· Delays in terminating the rights of former employees

An evaluation of controls your business uses may include.

· Use of password protected software

· Employee background checks

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

· Conducting internal or third party audits of controls

· Using firewalls to protect from outside intrusion or hackers

Make sure you notify us immediately if you believe your personal information has been stolen or compromised. Also review your account activity and promptly report any errors, unauthorized transactions, or suspicious activity immediately to one of the numbers listed below.

Community State Bank – St. Charles Montrose Office
(989) 865-9945 (810) 639-6101

Thomas Township Office – Saginaw Flushing Township Office
(989) 781-2350 (810) 639-6101

Chesaning Office Albee Township Office
(989) 845-7070 (989)770-4050

Birch Run Office New Lothrop Office
(989) 624-6280 (810) 638-3004