In order to make your online banking experience as secure as possible,
we are introducing a new security feature. Most of the time your online
banking will be the same as it was before, only now you will have an
extra layer of security working behind-the-scenes to protect your
account. The new security may – very infrequently –
prompt you to verify your identity before you are able to continue with
your online banking. This means you can now bank online with a renewed
sense of confidence.
What is this new security system?
As our customer, we know how you typically behave: what types of
transaction you conduct, when and from where. If we detect any activity
that does not seem like your typical behavior, we will prompt you to
further verify your identity – so that we can ensure it is
you and not a fraudster attempting to compromise your account. This
will only happen on rare occasions. Normally you will not be asked for
any additional information. For example, if someone tries to sign in
with your user name and password from a computer in a foreign country
shortly after you have logged off from your normal computer at home, we
may decide to verify that it is really you trying to access your
account.
How do I sign up for the new security system?
Expect to be prompted at some point while banking online to enter
additional information. This may include choosing several security
questions that only you know the answers to, as well as supplying phone
numbers where you can be reached while banking online. Once this
occurs, you have added a layer of protection to your account!
How much will it cost?
There is absolutely no cost associated with the new security system.
When will I be asked for more information?
You will only be prompted to enter additional information when a
particular activity or transaction appears to be unusual or
uncharacteristic of your typical behavior.
What additional information will I be asked?
If any unusual or uncharacteristic behavior is detected you will be
asked to answer several of the security questions you chose.
What is unusual or uncharacteristic behavior?
Uncharacteristic or unusual behavior is anything that appears
out-of-the-ordinary compared to how you normally would bank online and
where you normally bank online. If the action being requested does not
appear to be something you would normally do, we will ask you for more
information to make sure it is really you and not an unauthorized user.
How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as the type of
transactions you ordinarily perform, the computers you typically use to
access your account, or the typical security settings for your
computer. Hundreds of factors, such as these, create a profile that is
unique to you that allows us to make decisions about whether the person
conducting a given activity and transaction within your account appears
to be really you.
Will I be asked for more information all the time now?
No, you will only be asked for more information when unusual or
uncharacteristic behavior is detected. This will most likely be a very
rare occurrence.
How do I know it is working?
You only need to complete the set-up process once; afterwards the new
security system will work automatically. That means you are being
protected every moment – when you are online and more
importantly when you are not.
Is my personal information still safe?
Yes. In fact, your personal information is safer than ever before
because we are making sure it is really you and not an unauthorized
user trying to access your information.
How will this help prevent online fraud?
If your user name and password are stolen, the fraudster would have to
be able to answer your security questions correctly before being able
to access your account or complete a fraudulent transaction. If the
user is unable to provide this information or be reached on the phone,
the activity would be blocked. This added layer of security helps us
protect your online account at all times.
I check my account very often, wouldn’t I know if something
unusual showed up on my account?
It is great you check your account! It is always a good idea to
regularly monitor your account for any unusual activity (like payments
you didn’t make). This security service helps prevent those
incidences from ever occurring, so when you check your account
everything is exactly as it should be.
I already have anti-virus and a personal firewall. Why do I need this?
We are glad to hear you use antivirus and a personal firewall. Be sure
that you keep both software programs up-to-date for the best possible
protection against viruses, Trojans, and hackers. This new security
feature protects against other kinds of threats such as a stolen user
name and password. It works with your other personal security programs,
but it does not replace them.
Sendmail
to webmaster@fsbcentex.com
with questions or comments about this web site.
*Remember
to NEVER include any sensitive or account information in any emails you
send.*
During normal business
hours
call (254) 771-1222.
Member FDIC
Equal Housing Lender