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The purpose of the Alma Bank ("the Bank") Internet Banking & Customer Awareness Program ("the Program") is to educate our business and commercial client Internet banking customers and ensure that these customers are aware of the risks of using Internet Banking and the appropriate safeguards to take.
The Program will inform and remind customers of the importance of security measures that can protect them from being victims of fraud. Specifically, the Program will address the importance of password security, using unique user accounts, and ensuring that customer computer systems used for Internet Banking have security software, such as firewalls, and updated anti-virus protection.
The Program will include education about security threats, provide information to help customers increase and maintain password security by enforcing a strong password requirement and periodic password changes.
The Bank strongly believes that public awareness of Internet banking risks and how to avoid them is the strongest weapon in the defense against customer monetary losses.
On June 28, 2011, the FFIEC (Federal Financial Institutions Examination Council) issued a supplement to the Authentication in an Internet Banking Environment guidance released in October 2005. The purpose of the supplement is to reinforce the guidance's risk management framework and update the FFIEC member agencies expectations regarding customer authentication, layered security, or other controls in the increasingly hostile online banking environment. The member agencies include the FRB, FDIC, NCUA, OCC and CFRB.
The Program is in accordance with the originally issued Authentication in an Internet Banking Environment guidance and the supplement and any subsequent updates along with the New York State Department of Financial Service regulation 23NYCRR Part 500 pertaining to Cyber Security.
You are protected in a variety of ways when you use Internet Banking; however it is important to contact Alma Bank in the event you that your company's online access has been compromised. Also, report any unauthorized or unexpected transactions immediately.
Your account is protected against fraudulent transactions in a number of ways, so monitor your account balances and transactions frequently. If you want to report suspicious activity in your account(s), or if you have questions about the security of your account(s), you can call us at: 1-866-424-8229 or email us.
The security of your company's money and identity is as important to us as it is to you. Let's work together to protect it.
Alma Bank will never contact customers on an unsolicited basis to request their security logon credentials, such as, the combination of the client's username and password. If you receive a request of this type, do not respond to it. Please call us immediately at 1-855-541-1000 or email us to report any activity of this nature.
Alma Bank will only contact its clients regarding online banking activity on an unsolicited basis for the following reasons:
If you receive an unsolicited contact from an Alma Bank team member for any reason not cited above, your identity will be confirmed through a series of security questions and you will always have the option of hanging up and calling Alma Bank to confirm the validity of our request. Remember, Alma Bank will never ask for your logon security credentials.
Internet Banking Business and Commercial customers are strongly encouraged to perform an annual Self-Assessment focusing on their online banking practices and network security. A Self-Assessment will evaluate whether the client has implemented sound business practices to address the 5 (five) key principles outlined in the Securing Your Business section below.
Is your company keeping information secure?
Are you taking steps to protect sensitive information? Safeguarding sensitive data in your files and on your computers is just plain good business. After all, if that information falls into the wrong hands, it can lead to fraud or identity theft. A sound data security plan is built on 5 key principles:
The following information is provided by the Federal Trade Commission, Bureau of Consumer Protection.
Know the nature and scope of the sensitive information contained in your files and on your computers.
Keep only what you need for your business.
Protect the information that you keep.
Properly dispose of what you no longer need.
Create a plan for responding to security incidents.
Phishing is an email scam used to steal your personal information. Email may appear in your inbox, claiming to be from your financial institution or another source. It may appear authentic but be careful - any email requesting personal information or to "verify" account information is usually a scam. Do not respond to this type of email and do not click on any link in/from this email.
How to spot Phishing and other email scams:
Follow these steps to avoid email scams:
Remember, email is not a secure form of communication. So feel free to use your email, but don't use it to send or receive confidential information. If you follow the four basic steps listed above, you can protect yourself from most phishing and other email scams.
The Internet is a great place to browse and do business, however it can also be a dangerous place for identity theft if you don't know what to watch for or how to protect yourself. There are several types of malware — which means malicious software — that can infect your computer as you surf the web including:
These programs are becoming more sophisticated and ingenious in their ability to infect your computer. Many are designed to steal your personal and/or business information. While "surfing" the Internet, follow these steps to protect your computer from the majority of Internet crime:
The telephone is one of the most often used sources for criminal activity. Here's how it works: Your phone rings. The caller claims to be from your financial institution, or any other source. They begin asking questions about you and your bank account information. Other telephone scams claim that you've won a sweepstakes and ask for personal information in order to claim the "prize." These are attempts to obtain account information and/or steal your identity, and it happens to millions of Americans every year. As a general guideline, be highly suspicious anytime you are requested to provide personal information over the phone.
Protect yourself from telephone scams by following these steps:
All information within our Internet Banking uses the Secure Socket Layer (SSL) protocol for transferring data. It creates a secure environment for the information being transferred between your computer and Alma Bank. In addition to the security features setup by Alma Bank, here are some tips to protect your information:
In addition to the information provided regarding Internet Banking Security, commercial and small business account holders should institute additional measures in order to further protect their online banking for example:
Identify theft occurs when someone uses your personal information such as your Social Security number, account number or credit number, without your permission, to commit fraud or other crimes. Protect yourself by:
Any consumer can request one free copy of his or her credit report per year from each of the 3 major credit reporting companies. Reviewing your credit report can help you find out if someone has opened unauthorized financial accounts, or taken out unauthorized loans, in your name. Contact the three major credit companies to request copies of your credit report:
The electronic exchange or transfer of money from one account to another, either within a single financial institution or across multiple institutions initiated through electronic-based systems. The term includes, but is not limited to:
Any fraudulent or unauthorized EFTs is protected. For a description on what an EFT is under Regulation E please refer to the section "What is an EFT?" Further information on Regulation E and how it applies to your account at Alma Bank is available here and on our website.
What are the applicable protections provided to consumers under the Act for consumers who use Internet banking and/or bill pay?
If you believe an unauthorized EFT has been made on your account, contact us immediately. If you notify us within two (2) business days after you learn of the unauthorized transaction, the most you can lose is $50. Failure to notify the Alma Bank within two (2) business days may result in additional losses.
Unlimited loss to a consumer account can occur if:
The term EFT does not include:
Telephone-initiated transfers - Any transfer of funds that:
This law is designed to protect consumers making electronic fund transfers. The term "electronic fund transfer" (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or debit a consumer's asset account.
The Electronic Fund Transfer Act (also known as Regulation E) was issued by the Board of Governors of the Federal Reserve System and adopted in 1978 as an add-on to the Consumer Credit Protection Act. The law and regulation establish the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services. For more information, please click here.
Business/Commercial clients are not covered by Regulation E.
As a result, it is critical that business/commercial clients implement sound security practices within their places of business as outlined in this Program to reduce the risk of fraud and unauthorized transactions from occurring. Good practices can keep business/commercial client's information secure.
Corporate Account Takeover is a form of identity theft in which criminals steal your valid online banking credentials. The attacks are usually stealthy and quiet. Malware introduced onto your systems may go undetected for weeks or months. Account-draining transfers using stolen credentials may happen at any time and may go unnoticed depending on the frequency of your account monitoring efforts.
The good news is, if you follow sound business practices, you can protect your company:
Whether you choose to bank online, by phone, at our ATMs or in person, Alma Bank makes your accessibility a priority. Our commitment to the experience of each customer starts with making banking accessible to every customer.
From Alma Bank Branches to ATMs, online banking to alternate format statements, we are committed to meeting our customers' needs.
Feedback And Requests
If you have a request or just want to let us know how we're doing on meeting your needs and how we might improve. Please call us at 1-855-541-1000.
Customers who are deaf or hard of hearing can dial 711 to use TTY or a Telecommunications Relay Service (TRS), or use a preferred relay service to connect to TD at 1-855-541-1000.
Alternate Statement Format
Customers can request their monthly checking and/or savings account statements in a variety of alternate formats, including braille, or audio CDs.
To request this service, please call 1-855-541-1000 anytime or visit an Alma Bank Branch. Please note that there may be an additional fee.
Enlarged Processed Check Images
Upon request, we will provide enlarged check images of the front and back of the processed checks associated with your account along with your monthly statement (minimum number of 4 checks per page).
Mail In Deposits
Customers have the option to mail in their deposits to any branch location. Be sure to include the deposit account information, as well as the total amount of deposit.
Find an ALMA Bank location
Telephone Banking Services
There are several telephone banking options to make managing your finances more convenient:
Bank by Phone
Call 1-866-424-8229 to access your account information and conduct transactions 24/7 with this easy-to-follow automated system available in English and Spanish.
Customer Care Line
Help is available at 1-855-541-1000.
TTY and Telecommunications Relay Services
Callers who are deaf, hard of hearing, deafblind, or have speech impairment may contact Alma Bank through TTY (Text Telephone), Video Relay or other Operator Assisted Relay services. Dial 711 or your preferred Telecommunications Relay Service and connect to Alma Bank at 1-855-541-1000
Automated Teller Machines (ATMs)
All of our ATMs are accessible to customers with disabilities.
Access in English by plugging in a standard headset – you'll be guided through your transaction while the screen appears blank. A braille sticker on all ATMs directs vision-impaired customers to the audio jack.
All ATMs provide height and reach requirements to support wheelchair accessibility and are fully compliant with ADA guidelines.
Our Alma Bank locations are designed with accessibility and convenience in mind:
Join a team that celebrates excellence and diversity.
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Enabling A Comfortable Online Experience
There are a number of accessibility features on your computer and mobile device that can help maximize the comfort of your online experience. Things like:
To learn how to use the zoom magnification features or enable high-contrast text, choose the link for your browser:
The following links are provided solely as a convenience to our Business/Commercial Online Banking clients. Alma Bank neither endorses nor guarantees in any way the organizations, Services or advice associated with these links. Alma Bank is not responsible for the accuracy of the content found on these sites.
Identity Theft, Privacy, and Security Publications for Businesses
OnGuard Online: Learn how to avoid Internet fraud, secure your computer, and protect your personal information.
For more information and tips on how to safe-guard your online security, take a look at the following videos and links
FDIC Consumer Protection
NACHA Fraud Resources
US Department of Homeland Security
Federal Communication Commission - Business Cyber-planner
National Institute of Standards and Technology (NIST)'s Computer Security Resource Center
SANS (SysAdmin, Audit, Network, Security) Institute's Twenty Most Critical Internet Security Vulnerabilities
U.S. Computer Emergency Readiness Team (US-CERT)
Carnegie Mellon Software Engineering Institute's CERT Coordination Center
Center for Internet Security (CIS)
Institute for Security Technology Studies
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© Copyright 2019 ALMA Bank - All rights Reserved.
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
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