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This Internet
Banking System brings together a combination of industry-approved security
technologies to protect data for the bank and for you, our customer. It
features password-controlled system entry, a VeriSign-issued Digital ID
for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption,
and a router loaded with a firewall to regulate the inflow and outflow
of server traffic.
Secure
Access and Verifying User Authenticity
To begin a session
with the bank's server the user must key in a Log-in ID and a password.
Our system, the Internet Banking System, uses a "3 strikes and you're
out" lock-out mechanism to deter users from repeated login attempts.
After three unsuccessful login attempts, the system locks the user out,
requiring either a designated wait period or a phone call to the bank
to verify the password before re-entry into the system. Upon successful
login, the Digital ID from VeriSign, the experts in digital identification
certificates, authenticates the user's identity and establishes a secure
session with that visitor.
Secure
Data Transfer
Once the server
session is established, the user and the server are in a secured environment.
Because the server has been certified as a 128-bit secure server by VeriSign,
data traveling between the user and the server is encrypted with Secure
Sockets Layer (SSL) protocol. With SSL, data that travels between the
bank and customer is encrypted and can only be decrypted with the public
and private key pair. In short, the bank's server issues a public key
to the end user's browser and creates a temporary private key. These two
keys are the only combination possible for that session. When the session
is complete, the keys expire and the whole process starts over when a
new end user makes a server session.
Router
and Firewall
Requests must
filter through a router and firewall before they are permitted to reach
the server. A router, a piece of hardware, works in conjunction with the
firewall, a piece of software, to block and direct traffic coming to the
server. The configuration begins by disallowing ALL traffic and then opens
holes only when necessary to process acceptable data requests, such as
retrieving web pages or sending customer requests to the bank.
Using the above
technologies, your online banking transactions are secure.
Protect
Your Information
We
recommend the following to ensure the security of your information:
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Keep
your login ID and password in a secure area. |
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Do
not reveal your secure information to anyone else. |
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Remember
to log out of online banking before stepping away from your computer. |
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If
you think you have been the victim of a security breach, contact any
customer service representative at 1.800.648.3194. |
Internet
Browser Selection
Our site requires
a secure connection of 128-bit encryption. We suggest the use of Microsoft
Internet Explorer 4.5 or newer, Netscape Communicator 4.5 or newer, or
America Online 5.0 or newer. These browsers use 128-bit encryption and
will also prevent sensitive information from being written onto your hard
drive, making it virtually impossible for unauthorized users to access
your information. Click on these links to download your choice of either
Microsoft Internet Explorer or Netscape Communicator:
MS Internet Explorer:
http://www.microsoft.com/windows/ie/downloads/recommended/128bit/default.asp
Netscape Communicator:
http://www.netscape.com/download/index.html
This site incorporates
Verisign's Digital ID certificate which protects your transactions over
the Internet. Click
here to learn more.
Maintenance
of Account Information
American Marine
Bank intends to exercise reasonable procedures in order to ensure the
accuracy of our records. Inaccurate information, when brought to our attention,
is corrected as promptly as possible. If you have questions regarding
the accuracy of your personal information, please call a customer service
representative at 1.800.648.3194.
Online
Personal Information
When customers
enroll in online banking or apply online for products or services, they
will be asked for personal information. When customers bank online, American
Marine Bank will have access to their personal information. This information
is retained on our systems in order to deliver the product or services
requested. Also, in order to respond to any email sent to us, we will
retain the content of the email and the email address.
Information
Obtained Via Cookies
The American Marine
Bank Web site may place a small file, or cookie, on your computer's hard
drive. This file has no information about you personally, but identifies
your computer when you return to our site. Visitors to the American Marine
Bank Web site remain anonymous. We do not collect identifying information
about visitors to our site. We may use standard software to collect non-identifying
information about our visitors, such as:
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Date
and time our site was accessed |
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IP
address (A numeric address given to servers connected to the Internet) |
Access
to your Account Information
Access to your
account information using Online
Banking is protected using login ID, password and encryption technology.
Visitors may elect to provide us with personal information via online
registration forms
. This information is used internally, as appropriate to handle
the sender's request. It is not disseminated or sold to other organizations.
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