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Website Helpful Hints Online Banking Banking online with THE BANK - Oldham County is safe and secure. Secure Socket Layer (SSL) encryption scrambles your private data as it transmits over the Internet, protecting it from being deciphered and used fraudulently. Online banking requires the highest level of confidentiality protection available in the form of 128-bit encryption. Logging into your banking system to process private transactions over the internet will require that your Internet browser supports 128-bit encryption. Keep your Online Banking passwords in a secure place where you can refer to them if you forget. When viewing your account information through Online Banking, you may change the sorting order of the information by clicking on the small arrows located in the title section of each column. The "up" arrow will provide the information to be sorted in ascending order; the "down" arrow in descending order. To view your account history, click on the account title on the Account Summary Page. Make Loan Payments using the Account Transfer button in Online Banking In order to use online banking, your browser must be set to accept cookies *. * Cookies are bits of information that a web site sends to a user's computer. The user's computer may then send the information back to the server on subsequent pages, actions, or visits. The use of cookies within Online Banking is necessary for security and is therefore required to access the system. Our use of cookies is for user authentication only. Safeguarding Tips on the Internet You should never access THE BANK'S website from a link provided by a third party. Our financial institution will never request confidential information, such as account numbers, passwords, or PIN's via email. Should you ever receive such a request please report to us immediately. How Not to Get Hooked by a 'Phishing' Scam Internet scammers casting about for people's financial information have a new way to lure unsuspecting victims: They go "phishing." Phishing, also called "carding," is a high-tech scam that uses spam to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information. If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or Web site address you know to be genuine. Avoid emailing personal and financial information. Before submitting financial information through a Web site, look for the "lock" icon on the browser's status bar. It signals that your information is secure during transmission. Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances. Identity Theft How can someone steal your identity? Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. If you think your identity has been stolen, here's what to do now: Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge. Close the accounts that you know or believe have been tampered with or opened fraudulently. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
Onlne Shopping Hints Shop with companies you know. Stay away from companies without customer service phone numbers. Be sure to read the fine print regarding refunds and exchanges Buy only from Web vendors that protect your financial information. Look for an unbroken key or padlock at the bottom of the browser window to ensure your transmission is protected. Print a copy of your order and confirmation number. Never give out information such as a credit card number to enter a contest or for any reason other than making payment for a purchase. Don’t answer Internet questionnaires or complete order forms that ask for your Social Security Number, mother’s maiden name or former address.
Holiday Shopping Tips   (from the FTC) Whether you shop by telephone, catalog, at the mall or online, it pays to be a savvy consumer. Here are stome tips from the Federal Trade Commission (FTC) to help you shop smart:
SHOP WISELY Know your vendor Protect your privacy While online, order only on a secure server	KNOW YOUR RIGHTS Check the refund/return policy Read the fine print Check delivery dates Review warranties
GET THE BEST DEAL Compare prices Check shipping/handling fees Order early	KEEP GOOD RECORDS Track your purchases Keep receipts and confirmation printouts

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