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

To begin a session with the bank's server the user must key in a Log-in ID and a password. Our 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 a phone call to the bank to reset the password before re-entry into the system.

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 transferred via Premierecom® is encrypted in an effort to provide transmission security and Premierecom® utilizes identification technology to verify that the sender and receiver of Premierecom® transmissions can be appropriately identified by each other.  Data that travels between Premierecom® and the customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's service provider 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.

We require that your web browser support 128-bit encryption because it is approximately 300,000,000,000,000,000,000,000,000 (septillion) times stronger than 40-bit encryption. While 40-bit encryption might be fine for low-risk transactions, security professionals believe it might not be adequate for protecting financial transactions.

You can identify that your online information is encrypted in Netscape if the small key or lock at the bottom left-hand corner of your screen is unbroken. Users of Microsoft browsers will see a lock appear during an encrypted 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 Internet banking transactions are secure.

YOUR RESPONSIBILITY

While Northwest Commercial Bank works toward protecting the confidentiality of your online information, we can't do it alone. Just as in the real world, where you take steps to protect your financial information, you will need to take ownership of your online safety. Here are a few steps to help you protect your information while using Northwest Commercial Bank Online via the Internet.

1. NEVER reveal your Northwest Commercial Bank Online password or account Personal Security Code (PSC) to anyone - ever! Your password & PSC are designed to protect the privacy of your banking information, but they only can work if you keep them secret. Attempts to break these passwords are monitored by special software that will only allow a few attempts before the password needs to be reset in the branch. If you think your online password or account PSC has been compromised, change it immediately!
2. Don't leave your PC while you are in the midst of a Northwest Commercial Bank Online session.
3. When you are finished using Northwest Commercial Bank Online, be sure to use the EXIT button to log off the system before visiting other web sites.
4. If other people have access to your computer, clear your browser's cache in order to remove copies of web pages that may have been stored temporarily on your system. Refer to your browser's Help file for instructions on clearing your cache.
5. If you send Northwest Commercial Bank an email, remember not to include personal information regarding your accounts or yourself. Email sent via the Internet is potentially able to be read in transit by others.

ADDING ACCOUNTS TO YOUR PROFILE

For your privacy and convenience, we recommend that you create a separate online profile for each account owner. This will ensure that persons who are not signers on an account will not be able to view account information.

Each owner/signer should have a separate username and password for his or her own individual profile. The profiles would be:

John Money Jr.'s Online Profile
Personal Checking A
Personal Checking B
XYZ Business Checking Account
Credit Card
Brokerage Account

Mary Money's Online Profile
Personal Checking A
Credit Card

John Money Sr.'s Online Profile
Personal Checking B