Online Banking Security
Summit Bank is pleased to offer online banking and bill payment services. Delivering these services requires a solid security framework that protects you and our institution's data from outside intrusion. We are committed to working with our internet service and communications providers to produce the safest operating environment possible for our customers. Here are some of the measures we’ve taken to ensure your financial privacy.
Individual User ID and Password
Enrollment is easy; access our website and click on the enrollment button. Create your own unique User ID and Password. Allow one banking day for processing then you will be able to access your accounts online. For additional security, if a password is entered incorrectly three (3) times, the online account will be disabled. You will need to contact the Bank and verify your identity to have your password reset.
Multifactor Authentication
Summit Bank uses Multifactor Authentication to protect bank customers from online predators by requiring multiple pieces of information to validate identity while ensuring compliance with regulatory requirements and FFIEC recommendations.
We use challenge questions, which you answer when setting up your online account. You will need to answer these questions only if you log into your Online Banking account from a computer you have not authenticated.
We also use a PassMark to verify your identity. You will choose the PassMark when you set up your online account. Only enter your password once you have confirmed your PassMark is valid. This is to ensure you that you are not at a “spoofed” website, a site created to imitate Summit Bank’s website.
Account Numbers
Summit Bank does not display your account numbers over the Internet. Only the type of account and the last four digits are displayed.
Automatic Log-off
Online Banking will automatically log off if no activity is performed for 10 minutes and will require you log on to the system again.
Secure Data Transfer
Summit Bank uses Secure Sockets Layer (SSL) protocol with 128-bit encryption. This ensures that your private information cannot be intercepted over the Internet.
User Responsibilities
While our service provider continues to evaluate and implement the latest improvements in Internet security technology, users of the online banking system also have responsibility for the security of their information and should always follow the recommendations listed below:
- Utilize the latest 128 bit encryption version of Microsoft Internet Explorer 6 (or above), Mozilla Firefox, or Apple Safari. The online banking system is best viewed and is most secure when you use one of these browsers.
- Your User ID and Password must be kept confidential. You must follow our specific parameters for a Password and change it frequently to ensure that the information cannot be guessed or used by others.
- Be sure others are not watching you enter information on the keyboard when using the system.
- Never leave your computer unattended while logged on to the online banking system. Others may approach your computer and gain access to your account information if you walk away.
- Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
- Close your browser when you are finished, so that others cannot view any account information displayed on your computer.
- Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the online banking system.
- If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at (360) 757-0100.
As a reminder, Summit Bank will NEVER ask you for your User ID or Password. Be suspicious of anyone asking for this information, especially via phone, email or text message.
