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member’s responsibilities for secure internet access

While Capital City Savings uses its best efforts to provide a safe and secure Net Banking service, you as a Member also have responsibilities to protect yourself and your personal information.

The following precautions, although not intended to be exhaustive, should be followed to avoid unauthorized access to your personal, business or financial information.

In order to protect your personal information we need to work together.

how can you help?

  • use strong passwords
  • keep your password confidential
  • do not leave your computer unattended
  • clear your cache
  • do not use an auto complete feature
  • install antivirus software
  • email communications
  • pop-up ads and spyware knowledge
  • web site spoofing and unsolicited emails

1.  use strong passwords

When selecting an Access Code or Password you should not use personal information that might be guessed by another party.  Your password should be unique.  Do not use your name or the name of a close relative or friend.  Do not use your or a close relative’s or friend’s birth date, address number or telephone number.

You should create a password that has both uppercase and lowercase characters and numbers.  You should change your Access Code or Password on a regular basis.

2.  confidentiality of your access codes and passwords

Your Access Code or Password should never be revealed or disclosed to anyone.  If you become suspicious that another party has learned your Access Code or Password you should immediately change it.

Avoid keeping written records of Access Codes or selecting Access Codes based on personal information that may be determined or accessible by others such as names, birthdays, or addresses that are similar in whole or in part to other existing passwords, personal identification numbers or security codes.

3.  computer access

You should not leave your computer unattended when connected to the Capital City Savings Net Banking web site.

4.  deleting information from your cache

We highly recommend that you clear your cache after logging out of Net Banking.

You may have noticed a setting in your browser called ‘cache’ (pronounced cash).  The cache stores web pages that you have viewed so they are quickly available if you want to view the web page again, such as when you click on the ‘back’ button.

Clearing your cache will erase the pages you have viewed and prevent unauthorized viewing of your financial information.

Please click on your browser Help menu for information on clearing your cache.

5.  do not use the auto complete feature

Some browsers and other software have an ‘auto complete’ feature that saves your user name/id and password so you don’t have to enter the information each time you visit a site.
We highly recommend that you do not use this feature for your net banking account and password.

6.  install antivirus and/or firewall software

Numerous antivirus software packages are available for home computers that will protect your computer from viruses and unauthorized access.

Firewalls are devices that screen all in-bound and out-bound messages from your personal computer to ensure the commands meet the standards you specify.  They assist in preventing hackers from gaining unauthorized use to your personal computer.  Anti-virus software detects computer viruses and alerts you when a virus has been detected so that preventive measures can be taken.

It is prudent to maintain firewall protection and to use updated anti-virus software to minimize your exposure to these risks.

7.  email communications

Email communications are not encrypted and therefore are not a secure means of communication over the Internet.  Sensitive member information should not be included in email communication. If you wish, you may include a phone number where we may contact you for further details or clarification.

8.  web site spoofing and unsolicited emails

Web site spoofing is where a web site is setup to look like it belongs to a legitimate company but in fact, it does not.  Once the web site is set up then emails are sent to individuals pretending to be the legitimate company.  The email usually contains a link to the non-legitimate web site and entices the individual to enter a contest.  This is so the non-legitimate party can obtain personal information that could be used for the purpose of committing fraud.

Capital City Savings does not send emails requesting personal, financial, or password information.

  • Never give a password, personal, and/or financial information such as a credit card number, account number, social insurance number, driver’s license number, etc. in an email.
  • Do not click any links provided in the email, as it may take you to a fraudulent web site.  The best practice is to open your browser and type the company’s web site address in, then look for information, contests, or notices that suggests the same message in the email received.

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