At Start Community Bank, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.
Please keep in mind that we will never ask for or email you requesting your online banking password. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.
In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.
Order a copy of your credit report from each of the three major credit bureaus once a year. By checking your report on a regular basis you can catch mistakes and fraud before it adversely affects your credit records.
We encourage you to review our Security & Privacy links which can be found at the bottom of any page of our startbank.com web site, along with the option to click on the home page “Demo” link for access to online banking and identity theft training. If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 877.687.1133 or via e-mail at firstname.lastname@example.org. If you have been a victim of identity theft, you may also call the FTC’s Identity Theft Hotline toll-free 877.IDTHEFT(438.4338). You can also learn more about online safety by visiting these websites: www.ftc.gov, www.idtheft.gov, and www.staysafeonline.org.Z0060131-INFO-0313/March 2013