Online Security Center

Bank of Orrick has worked to create the safest possible online environment for our customers and employees. We have addressed several areas of security including:

Internal Systems: We have selected the hardware and software that is considered the most secure solution on the market by independent examiners. This solution creates an invisible wall, known as a firewall, between our systems and the outside world. Next, we have hired a highly certified company to remotely monitor the firewall 7 days a week, 24 hours a day, 365 days a year. At any sign of ‘hacking’, necessary steps are followed to ensure the safety of our systems, even it if means shutting down the firewall, thus preventing everyone from entering. All components are kept up to date in this fast paced world of technology changes.

Keeping Data Safe as it Crosses Over the Internet Data: The next step in security is keeping the data secure as it travels from our system to your computer and back. To do this, we’ve installed a VeriSign Digital ID Certificate. With this electronic certificate, the user and server are automatically in a secured session once the user has logged on. Data traveling between the user and server is encrypted. When an encrypted message is sent, the sending and receiving computers each generate a code based on the message content. If even a single character in the message content is altered in route, the receiving computer will generate a different code, and then alert the recipient that the message is not legitimate. We are using 256-bit SSL encryption to keep all of the traffic secure.

Educating Customers: Our staff has been trained to educate customers on the importance of keeping pertinent account and personal information private. You should NEVER give your account number to a source you do not know. You should NEVER give your passwords to anyone.

Bank of Orrick takes numerous steps to keep your accounts and personal information secure, but you also must maintain the security of your own banking information. Here is what you can do:

• Memorize your Online Banking Username and Password.
• Remember to Log Off or close out of the browser window, especially when you are on a public computer.
• Keep your computer safe. Do not click on links or attachments created from sources that are not trusted. This will help prevent malware including key loggers from infecting your computer.

If you feel your computer has been infected, do not log on to Online Banking until you have had a professional determine it is safe to use.

If you feel your username or password has been compromised, immediately call our us at 816-770-3311 to have it changed.

Once you have logged on to Online Banking, you have begun an “active session.” If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM machine while your card is still in the machine.

For your security, Online Banking will automatically end your active session if there is not activity on your computer for 10 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting “Log Off” when you are finished or close your browser window.

Federal regulations protect you from unauthorized electronic transactions. These regulations not only protect you when you are in Online Banking, but when you are using credit cards, ATM cards, and ACH.

In most cases, you will not be responsible for unauthorized activity on your account. To find out more details about your rights and responsibilities contact us at 816-770-3311 or stop by in person.

Online Banking allows logged in users to see account information for every account that user’s name is connected to. Not all accounts for all married couples are joint. Even if they are all joint today, that does not mean that one of the spouses may open an individual account tomorrow.

Banks are under very strict regulations regarding privacy. If a spouse would walk into the bank and ask for account information on an individual account of the other spouse, the bank is not allowed to provide that information.

For that very reason, Online Banking accounts will not be reset for anyone other than the owner of the social security number of which the account is enrolled. It is recommended that all customers enroll themselves using their own name and social security number.

Enhanced Security is a multi-layered authentication method of protecting your identity.

After the initial enrollment login process, your login credentials will go through an access process that begins when you type in your correct Username and Password.

The next step is checking the device you are using. If the system does not recognize the device, you may be asked to complete a Security Challenge question to ensure your identity.

There is also a geographical indicator. If you are trying to log in from a new location, you may be asked an additional question.

Yes. The Mobile Browser option requires a URL unique to each user as well as your Online Banking password.

Bank of Orrick App requires you to login with your Online Banking Username the first time you use it, but will always require you to use your Online Banking password each time you login to the app. All options require enrollment through Online Banking and are tied to your mobile phone number.