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PASSPORT Online Banking and Bill Pay - 24-hour a day access to your accounts, using any computer with Internet access.

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Internet access to your company’s accounts keeps you connected—twenty-four hours a day—from down the hall or around the world.

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Create a bank deposit from the convenience of your office with TNB Remote Deposit.

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Review account information, set up automatic e-mail alerts and more with TNB Business Online Banking.

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GoToMyCard! View, Pay and Manage Your Account

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E-Banking Authentication

 
E-Banking Authentication

New supervisory guidance has been issued by the Federal Financial Institutions Examination Council (FFIEC) in order to help banks strengthen controls to ensure customer authentication over online banking access for consumer and business customers. The supervisory guidance is designed to make online transactions, including money transfers, safer and more secure. The FFIEC supervisory guidance recognizes that each type of online transaction does not pose the same level of risk, and financial institutions should enhance controls as the risk level of the transaction increases. As a user of online banking, you can partner with us to strengthen the security over your account access and activity.

INTERNAL ASSESSMENTS AT TOWN NORTH BANK

Town North Bank has performed a comprehensive risk-assessment of our online banking activities and controls. This risk assessment considered:

  • Changes in the internal and external threat environment;
  • The customer base using electronic banking;
  • Customer functionality offered through electronic banking; and
  • Actual incidents of security breaches, identity theft, or fraud experienced by Town North Bank.

CUSTOMER AUTHENTICATION

Online security begins with the process used to confirm your identity, known as customer authentication process. The authentication process generally involves one or more of the following types of factors:

  • Something the user knows (e.g., password)
  • Something the user has (e.g., ATM card, physical token)
  • Something the user is (e.g., biometrics, such as a fingerprint)

Single factor authentication uses one of these factors; multi-factor authentication uses more than one if the factors. We use both single and multi-factor authentication, when appropriate.

For consumer accounts, additional authentication is accomplished through the use of individual challenge questions that must be answered when accessing your account from a device not previously used.

For business accounts, additional authentication is accomplished through the use of a one-time pass code that must be obtained and entered when accessing your account from a device not previously used.

ENHANCED SECURITY

Layered security uses different controls at different points in a transaction process so that a weakness in one control may be compensated for by the strength of a different control. The purpose of these layers is to allow Town North Bank to authenticate your identity and detect and respond to suspicious activity related to initial login and then to reconfirm this authentication when further activity involves transactions of higher risk, such as the transfer of funds to other parties.

For consumer accounts,ransfers are currently allowed through the bill payment option for those customers using this feature, or to other accounts you maintain at Town North Bank. Authorization is confirmed through the customer authentication techniques noted in this document.

For business accounts, security includes establishing authorization limits for funds transfer activities, such as ACH and wire transfer, that are initiated by account owners, and monitoring activity for compliance with those limits.

During 2012, Town North Bank’s internet banking provider will be implementing “enhanced device identification.” This method strengthens the process for confirming your identity through device “fingerprinting.” Additional authentication will be required when accessing your accounts from a device without the enhance authentication artifact in the browser cookie. Whenever increased risk to your account or transaction activity is identified, we may perform additional verification procedures, or layers of control, by using call-back (voice) verification or electronic mail approval. This verification may be performed when your online banking access has been locked or a suspicious transaction has been identified. In these cases, we will NOT ask for your online banking personal ID or password.

YOUR ASSISTANCE IN MANAGING RISKS

  • Anti-virus software
  • Anti-malware programs
  • Firewalls on your computer
  • Operating system patches and updates

For business accounts and transactions, the guidance suggests enhanced controls over administrative access and functions in order to reduce the risk of money transfer fraud. Business online banking customers should periodically assess their risks and controls regarding online banking access and user authority. Best practices for managing your online accounts may include:

  • Monitoring accounts frequently and reviewing wire transfer, ACH, and other online activity
  • Implementing dual control and approval for online activity
  • Securing all IDs and passwords and ensuring authorized employees are not sharing their online credentials
  • Educating employees on proper online security procedures

Please see the following websites to learn more about online safety and security:

YOUR PROTECTION UNDER REGULATION E

Please see the following websites to learn more about online safety and security:

For consumer accounts, Regulation E provides establishes protection for consumers related to electronic transactions. Under this regulation, consumers are protected from Internet banking losses according to how soon you detect and report them. If you report the losses within two days of receiving your statement, you can be liable for the first $50. After two days, the amount increases to $500. After 60 days, you could be legally liable for the full amount. These protections can be modified by state law or by policies at the bank, and we will be happy to discuss how these protections apply to your particular situation.

For business accounts, please contact your account officer to determine how Regulation E might affect your business account.

IF YOU HAVE QUESTIONS OR SUSPICIONS

If you notice any suspicious activity regarding your account or experience security-related events, please contact your Account Officer of Town North Bank immediately at 972-391-6800.