Online Security
Our Commitment
Sarasota Coastal Credit Union is committed to protecting the security of our members' personal information, including when it is transmitted online. Therefore, Coastal PB, our internet banking service, and our other online services utilize advanced Internet security technology to protect your personal financial information against unauthorized access. Sarasota Coastal Credit Union will never request personal information via e-mail or pop-up windows. Even with our robust security system in place, there are additional steps you can take to further protect your financial and personal information.
User ID and Passwords
To access certain online services, you may have been assigned a unique User ID and password that is for your use only. Your User ID and password are designed to protect you by confirming your identity to the computer network systems. To prevent unauthorized access to your accounts, it is very important to keep your User ID and password confidential.
Here are some steps you can take to protect the confidentiality of your User ID and password:
Do not write down your password and tape it to your computer monitor, the bottom of your keyboard, under your mouse pad, or any other place near your computer system.
Change your password periodically (i.e., monthly or quarterly).
Change your password immediately if it becomes known, or you suspect it is known, by anyone else.
Never give your password to anyone over the phone, regardless of the circumstances.
Selecting Strong Passwords
The objective when creating a strong password is to make it as difficult as possible for anyone to make an educated guess about what you have selected. However, it should be developed in a manner that makes it simple to remember without writing it on paper.
Words to avoid when creating passwords:
Do not use your (or any family member's) name, nickname, or initials in any form (forwards or backwards spelling).
Do not use your User ID in any form.
Do not use other information that can be easily obtained about you. This includes birth dates, telephone numbers, license plate numbers, Social Security numbers, street addresses, or the brand of automobile you drive, etc.
Do not use all the same character (i.e., 333333) or consecutive keys on a keyboard (i.e., ASDFGH).
Do not use words that would appear in a dictionary (English or other), as they can be easily compromised by password cracking programs that use electronic dictionaries.
Tips for choosing good passwords:
Develop a method of creating passwords that makes it easier for you to remember. You want to avoid writing it down.
You can use a line in a favorite song, poem, or movie and select the first letter of each word to create your password. Also include at least one number. For example, "The early bird catches the worm" becomes the password 1TEBCTW.
Use two short words and connect them with a number. For example, WIN7ONE.
Use a word that you can easily remember, but remove the vowels and replace them with numbers. For example, the word Summer becomes the password S2MM3R.
Timeout Feature
In order to prevent someone from gaining unauthorized access to your financial information, you should always log off the system after you have completed your business. As an added level of protection, Sarasota Coastal Credit Union's website has a timeout feature that automatically terminates your session after an extended period of inactivity.
For additional protection, access to the Coastal PB system will be denied or locked after three unsuccessful login attempts.
Multi-Factor Authentication
Multi-Factor Authentication (MFA) is a security feature that provides an extra layer of security that works 24/7 to protect your Coastal PB account, even when you are not banking online. MFA helps you guard against fraudulent online activities like Phishing scams (malicious requests for your personal information) and identity theft.
Once you enroll into MFA, the new security system recognizes your computer. If questionable logon attempts are detected, the system will require additional identity verification before allowing access to your Coastal PB account. Click here to read more about MFA.
Protecting Online Applications
When you choose to apply for Sarasota Coastal Credit Union products using an online application, you will be required to provide personal information that is necessary to process your request. To ensure that your information remains confidential, it is sent to us in a "secure session" utilizing Secure Socket Layer (SSL) technology. SSL is a security protocol for transmitting information via the Internet. Both Netscape Navigator and Internet Explorer support SSL, and many web sites use SSL to securely obtain confidential user information, such as credit card numbers. SSL technology scrambles or "encrypts" information as it moves between your computer's browser and our computer systems.
Encryption
Encryption is the process by which information is transformed or coded into a form that is unreadable to anyone except those whom possess the decryption key. This process prohibits unauthorized individuals from intercepting and viewing the information and is also referred to as a "secure session".
You can tell your online session with Sarasota Coastal Credit Union is secure through the following:
An unbroken key or a locked padlock icon will appear at the bottom of your browser screen.
The website address at the top of your browser screen will change from "http" to "https".
You will be required to utilize a User ID and password to gain access to the site.
Whenever possible, Sarasota Coastal Credit Union uses the strongest browser encryption technology available. Because this encryption technology is so strong, the U.S. government will generally not permit the export of browsers supporting this technology. Therefore, some of our online financial services may not be available outside of the United States and Canada.
Firewalls and Activity Logs
Firewalls and activity logs are additional security mechanisms that Sarasota Coastal Credit Union utilizes to protect your account and online application information. A firewall acts as a barrier between the Internet and our internal network system, permitting only specific traffic to pass in and out. To further ensure that only authorized users have access to our systems, Sarasota Coastal Credit Union conducts regular reviews of activity logs.
Email
Email transmitted across the Internet is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information via email to Sarasota Coastal Credit Union. We will not ask you to send confidential information to us via email, such as your User ID, password, account numbers, or Social Security number.
Virus Protection
Sarasota Coastal Credit Union utilizes the most up-to-date technology to protect our internal systems and your personal financial information from computer viruses. Malicious viruses can sometimes be used, however, to gain access to your personal computer. For protection of your personal system, Sarasota Coastal Credit Union recommends you implement the following measures:
Purchase and install antivirus software such as McAfee's VirusScan or Symantec's Norton AntiVirus to detect and eliminate potential viruses on your computer.
Consider purchasing antivirus software that automatically scans for virus updates whenever you go online. If your software does not have this feature, update your antivirus software at least weekly by contacting your antivirus vendor to obtain the most current antivirus signature files.
Do not open email attachments or downloaded files without first saving them to your hard disk (C: drive). Your antivirus software should be configured to scan each file when it is saved and when it is opened.
Never open email attachments from individuals you do not know - simply delete them.
Use caution with email attachments, even if you know the sender. If you were not expecting the message or if you have any suspicions, contact the sender and confirm that they indeed sent the message.
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