ONLINE BANKING > Privacy and Security
> Online Banking Security Statement
ONLINE BANKING SECURITY STATEMENT
Omni Bank, N.A.’s (“Omni”, “we”, “our” or “us”) commitment to protect
our customers’ (“you” or “your”) information and privacy extends to your
whether you are online or not, we have taken extra measures to protect
your privacy when you bank online with us for consumer (not business)
purposes. Customer information means personally identifiable information
about a customer.
Always keep in mind that New Omni Bank, N.A., will not send you
unsolicited emails with embedded links or pop-up windows that ask for
confidential information. We will never ask you to provide personal
information or account information via our Web site or by email. If you
ever receive a suspicious request for confidential information that
purports to be from New Omni Bank, N.A., do not respond to it and do not
click on any links that it provides. Report the request to any of our
Customer Relationship Personnel or Operations Officer at any of our
This Online Banking Security Statement is for general guidance and
subject to change. Please review it periodically.
To guard your nonpublic confidential customer information, we maintain
physical, electronic, and procedural safeguards that comply with federal
regulations. Our network is dessigned to provide a secure and encrypted
environment for online banking, and is comprised of a number of
components which together define the frame work for a comprehensive
At New Omni Bank, our online banking system features password-controlled system
entry, Secure Sockets Layer (SSL) protocol using 128-bit key algorithm
for data encryption, and VeriSign-issued Digital ID certificate that
enables SSL encryption for our Web server. All traffic between New Omni
you - our customers, is encrypted as it traverses the public network.
Encryption is a data security technique used to protect information from
unauthorized inspection or alteration. Information is encoded so that it
appears as a meaningless string of letters and symbols during delivery
or transmission. Upon receipt, the information is decoded using an
SSL is the leading security protocol for data transfer on the Internet.
This technology scrambles your account information as it moves between
your personal computer’s browser and New Omni Bank's computer systems. When
information is scrambled, or encrypted in this way, it becomes nearly
impossible for anyone other than New Omni Bank to read it. Further, your
information requests must first filter through a router and firewall
before they are permitted to reach the server. Using these technologies,
along with our established internal operating system controls, intrusion
detection processes and monitoring, your online banking transactions are
Forgot Your Password, ImageKey, Incorrect ImageKey, & User Support
We are available to serve you during regular working hours. Please visit
or contact the Operations Officer or Customer Relationship Personnel of
your branch (click here for location address and phone number) if:
- You forgot your Online Banking password.
- You experienced LOGIN difficulties.
- You experience problems using Online Banking features.
Regarding Personal Computer
You will need a personal computer with:
- Internet Access (ISP Internet Service Provider).
- Internet browser with 128-bit Secure Sockets Layer (SSL) encryption:
Microsoft Internet Explorer 6.0 (or greater) or Netscape Communicator
6.1 (or greater). To download the newest version of these browsers,
visit the Microsoft Internet Explorer Download Site or the Netscape
Communicator Download Site.
- Current version of anti-virus and anti-spyware software. You will need
to turn on the automatic updates feature to guard against new viruses.
- A personal firewall to help prevent unauthorized access to your home
To determine if your browser supports 128-bit encryption:
- Click “Help” in the toolbar of your Internet browser.
- Click on “About (browser name)”.
- A window will appear:
- For Internet Explorer: next to “Cipher strength” you should see
- For Netscape: you should see “This version supports high-grade
(128-bit) security with RSA Public Key Cryptography”.
How do I know if my banking session is encrypted?
You can determine if encryption is being used on a given Web page by
looking for the “Closed Pad Lock” icon in the lower portion of your
Cookies are pieces of data assigned by a Web server to the browser on
your PC. Cookies help Web sites to keep track of your preferences,
recognize return visitors, and create summary statistics. So, when you
return to a Web site you have visited before, your browser gives this
data back to the server. Contrary to reports about cookies and online
privacy, cookies do not contain viruses and most cannot reveal any
personally identifiable information about you unless you willingly
provide it as a user on a site.
personalized based on the level of interest in the types of products and
services you have or desire. Visitors to our Website remain anonymous.
We do not collect identifying information about visitors to our site. As
a matter of security, we do not embed customer’s Social Security number,
account number(s) or password in our cookies. By configuring your
preferences or options in your browser, you determine if and how a
cookie will be accepted. However, if you choose to reject cookies, you
cannot bank online with us. Also, browsers that reject cookies may not
be able to log on to your favorite sites or use the features you like
most within those sites.
When you are banking Online, we recommend that you complete your online
transactions and log off before surfing to other sites or turning off
your personal computer. We also suggest that you do not surf to other
sites during your online banking session.
Web Site Links
The links in New Omni Bank's Web site will let you leave New Omni
Bank's site. These
linked sites are not under the control of New Omni Bank and New Omni
Bank IS NOT
RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These
links are provided as a convenience to you, the user. The privacy and
security policy of any linked/external third party Websites may differ
from New Omni Bank's. New Omni Bank is not responsible for and does not endorse the
information, content, presentation or accuracy, nor makes any warranty,
express or implied, regarding any linked/external third party sites. If
you are asked to provide information on one of these sites, we strongly
urge you to carefully study their privacy policies before sharing or
providing your personal or confidential information.
Electronic Mail (“email”)
Omni Bank, N.A. recognizes email as a simple and cost effective method
of communication. However, requests and inquiries requiring immediate
attention SHOULD NOT be sent by email. A bank representative may not be
able to immediately review your email message.
Due to the inherent security issues associated with the Internet,
messages sent by email may not be secured, may be intercepted by third
parties, can potentially be monitored and read by others, and their
privacy and confidentiality are not guaranteed by New Omni Bank. To protect your
privacy and security, in your e-mail, we advise that you DO NOT include
confidential personal information such as your Social Security number,
date of birth, driver’s license number, or confidential account
information such as your account number, credit card number, cash/debit
card number, loan number, user code, PIN, or password. E-mail messages
will not serve as a sufficient method for any requirement imposed on you
to provide written notice, nor may any e-mail messages be used to place
a stop payment on a check, report an unauthorized transaction, cancel a
bill payment, request account transfers, or report lost or stolen
banking codes, cards, or checks.
If you have a question about your account or need an immediate response,
please visit or call us at one of our branch locations nearest you.
Protecting Children’s Privacy Online
We do not knowingly market to or solicit information from children under
13 without parental consent. We recognize that protecting children’s
identities and privacy online is important and that the responsibility
to do so rests with both the online industry and with parents. While
New Omni Bank, N.A., works to protect your personal information, you also
- Internet safety for children. The Internet is a public network.
Children’s access to the Internet can allow them to visit inappropriate
Web sites and be exposed to unwanted risks. Kids could expose their
families to identity theft as well. COPPA, the Children’s Online Privacy
Protection Act, protects children under the age of 13 from the online
collection of personal information. Learn more about COPPA on the
Federal Trade Commission’s Web site. Parents can be proactive by
installing filtering software that gives them more control over their
family’s Internet experience.
- Cyber ethics for children. Cyber ethics is the practice of being a
good citizen on the Internet superhighway. Kids should understand the
rules of the road, too. Learn more by visiting the U.S. Department of
Justice’s kids and youth Web site.
This disclosure of our Online Banking Security Statement, effective
April 1, 2006, applies to consumers. We reserve the right to make
changes to this statement at any time. If we make changes to this
statement or make any material changes to our online services, we will
revise this Online Banking Security Statement to reflect such changes
and revise this statement’s effective date.