Security

General Security Tips

At Edgewater Bank, one of our responsibilities that we take very seriously is the safeguarding of your personal and financial information. Whether you're banking online, by phone or visiting one of our branches, we are committed to protecting your personal information.

Remember:

  • Unless you initiated the contact, Edgewater Bank will NOT request your personal information (e.g., account number, Social Security number or other personal ingormation through email, U.S. mail or by phone. The only exception would be if you were in the process of applying for a loan or opening an account with us, or if we were attempting to validate an extraordinary transaction on one of your accounts.

  • Never give out personal information in response to an unsolicited call or e-mail.

Please notify us immediately if you receive unusual calls or emails claiming to be from Edgewater Bank. Be especially wary of those requesting account information to "award a prize" or "verify a statement." Report unusual inquiries or other suspicious activity to your telephone company, Edgewater Bank or local law enforcement authorities.

If you believe you have been a victim of fraud related to your Edgewater Bank accounts, notify us immediately at 1-800-922-5221.

Enhance your Online Security

Recommendations to Increase Your Online Protection

Contact Edgewater Bank immediately at 269.982.4175 or 800.922.5221 to report suspicious Online Banking Activity or to report compromised credentials or missing equipment used for Online Banking.

You are your own best protection
Rapidly advancing technology plays a major role in how you conduct your personal and business online financial activities today.

User awareness is critical in safeguarding your personal confidential information and protecting the security of your computer system.

The following recommendations can help protect you against online threats. Please read them carefully and adopt the recommended practices immediately to help shield your critical information while taking advantage of our Online Banking technology.

Reduce your risk for identity theft by signing up for eStatements
Identity theft often starts with stolen mail including statements, bills or checks. Our secure online banking platform protects your information so you can safely view, print or download your statements.

Additionally, when you sign up to receive eStatements you will enjoy:

  • The convenience of an easy-to-read statement

  • Greater accessibility to all of your Edgewater Bank account information (You’ll have access to 24 months of statements online.)

  • Save the statements to your own computer

  • The satisfaction of knowing that you are helping to conserve our natural resources (Of course, if you want to print a copy of your statement at home, you can certainly do that!)

Enrollment is quick and easy!

For personal accounts, simply login to your Online Banking account, select “eStatements” and click on “Manage Preferences.” Once there, choose “Yes” to Enroll and “Online” as the Delivery Method. That’s all there is to it.

If you have any questions or need help along the way, please don’t hesitate to contact us at 269.982.4175 or 800.922.5221.

Security Recommendations for ALL Online Banking and Mobile Banking Users

Edgewater Bank provides online security to protect you and your Online Banking transactions. Read below for additional precautions you can take to protect your online account information.

Maintain current anti-virus and other security suite software
Be sure to download all patches and updates for your operating system, network and antivirus applications as updates often contain fixes to known security deficiencies.

Use complex passwords
Passwords should (1) be at least 12 characters long (2) contain upper and lower case letters, numbers, and special characters, (i.e., punctuation marks and symbols); (3) not be a commonly used word in any known language, jargon, slang, etc.; (4) not be based on personal information that could be known to others.

Change your password frequently
Best practices recommend changing your Online Banking password at least every 90 days, and immediately if you believe your password has been compromised.

Do not write down passwords
It is best not to store passwords on an electronic device (e.g., computer or phone) or write them down on paper.

Do not share your online/mobile banking login credentials
Do not share your Access ID, Password, PIN or account number with anyone, under any circumstances. Edgewater Bank will never initiate a request for sensitive information via email, text, phone call, or other means. (i.e., Social Security Number, Access ID, Password, PIN or account number) If you think your login information has been compromised, please contact Edgewater Bank Online Services immediately at 1-800-922-5221 or 269-982-4175.

Be cautious with unsolicited emails, unverified websites and pop-up messages
Do not open unsolicited emails or click on any links or attachments contained within an email until you verify its authenticity with the sender. Do not click on any links from unverified websites or downloads from unverified pop-up messages.

Pay attention to unusually slow response times on Online Banking sites
Slow response times may indicate that your connection has been diverted to a fraudulent site. Contact Edgewater Bank Online Services to see if there is a reason for slower responses on the Bank’s official Online Banking or Mobile Banking site.

Watch for unusual changes online
When you login to Online or Mobile Banking, be alert to new or unusual messages or screens. Immediately contact the Bank if anything looks suspicious.

Never leave your computer, iPad or smart phone unattended
Do not leave unattended while logged in to Online Banking. Always properly exit Online or Mobile Banking when you have completed your session.

Check your accounts frequently
Login to Online Banking or Mobile Banking daily to review your account information. Immediately report any unauthorized activity. You may also set email and/or text alerts to notify you of specific account changes and activity.

Check your email frequently
Check your email frequently for Online Banking notifications, messages and alerts. Report any unauthorized change notifications or suspicious activity immediately to Edgewater Bank Online Services.

Keep your contact information current
Keep your personal contact information on file with the Bank and within the personal settings of Online Banking, current at all times.

Report a lost mobile device
Contact Edgewater Bank immediately if you lose your mobile device so that we can disable Mobile Banking access.

Additional Suggestions for Business Online Banking Users

Below are additional precautions recommended for Business Online Banking Users to protect online business activities and information.

Review account activity daily
At the beginning of each business day and again each evening, verify all transactions originated by your company. We recommend that you have all transactions reviewed by someone other than the person who originates them.

Dedicate a single computer to your online banking activities
Use a computer that is not used for email or Internet browsing.

Use dual controls for all activities involving financial transactions
Have one person prepare the transaction request and another review and approve the transaction. The secondary approver should approve all transactions from a computer other than the one that was used to originate the transaction(s).

Do not share Online Banking credentials
Each employee authorized to use Online Banking should be assigned a unique User ID and password. These credentials should not be shared with other employees, including IT support staff.

Restrict online access times to employees’ regular business hours
Restricting your employees from performing transactions outside of your business hours and from computers outside your company can reduce the risk of contracting computer viruses and malware that may reside on other computers.

Review your insurance policy
Review your insurance policy to verify it contains appropriate coverage in the event you become victim of online fraud, whether initiated by employees or outsiders, and that your computer system(s) are covered against any external attacks or fraudulent activity.

Contact Edgewater Bank Online Services immediately at 269.982.4175 or 800.922.5221 to report suspicious Online Banking activity or to report compromised credentials or missing equipment used for Online Banking.

Mobile Deposit Tips

  • Before logging into the Mobile Deposit app, close all other apps running in the background of your mobile phone.

  • Sign/Endorse the back of your check, and label it “For Deposit Only”.

  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.

  • Flatten folded or crumpled checks before taking your photos.

  • Keep the check within the view finder on the camera screen when capturing the photos.

  • Try not to get too much of the areas surrounding the check.

  • Take the photos of your check in a well-lit area.

  • Place the check on solid dark background before taking the photo of it.

  • Keep your phone flat and steady above the check when taking your photo.

  • Hold the camera as square to the check as possible to reduce corner to corner skew.

  • Make sure that the entire check image is visible and in focus before submitting deposit.

  • No shadows across the check.

  • All four corners are visible.

  • Check is not blurry.

  • The MICR line (numbers on the bottom of your check) is readable.

Security

Secure Homepage Login

Edgewater Bank views the security of your personal information online as a top priority. When you login to any online banking application from our website's home page, other areas of our website, or through mobile banking, your Access ID and Password are securely transmitted to our online system. When you access your account and perform transactions, our systems use 128-bit and 256-bit Secure Sockets Layer (SSL) encryption technology — the most widely used methods of securing internet transactions available today. Whenever you login to online banking, be confident that your information will be protected by the highest security measures.

Additional Security Features

Individualized Password
When you sign up for online banking or mobile banking access, you must create your own username and password to access your accounts. This information is encrypted during transmission. We strongly recommend that you do not use your Social Security number, or other identifiable number like a birthdate as a username or password. Our Online Banking system, for example, utilizes additional password complexity requirements: Passwords should be between 8 and 17 characters, should be at least 1 number, should be at least 1 uppercase letter, should be at least 1 lowercase letter, should have at least 1 special character (a special character is anyone of the following: ! @ # $ % ^ & * _ + - = ( ) [ ] { } | : ; ` , . / ?), cannot contain leading or trailing blanks.

Login Time Out
Edgewater Bank Online Banking and Mobile Banking will automatically log you off after twenty five minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer, mobile, or tablet device.

Firewall
Edgewater Bank computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.

Encryption
All online banking access and Bill Pay sessions are encrypted. Edgewater Bank has some of the strongest forms of encryption commercially available for use on the web today. During any transaction, our 128-bit and 256-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Look for a "closed lock" icon in the lower right-hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption.

Social Media Security & Safety Tips

Social networking sites like Facebook, Twitter, Foursquare, LinkedIn, and YouTube enable people to post information about themselves and communicate with others around the world using forums, interest groups, blogs, chat rooms, email, and instant messaging. While social networking sites can increase a person's circle of friends, they also can increase exposure to people with less than friendly intentions.

Protect yourself by taking some common-sense precautions

Guard your financial and other sensitive information.
Never provide or post your Social Security number, address, phone number, bank account or credit card numbers, or other personal information that could be used by criminals. Think twice about posting your location and other personal information, especially if you have your social networking profiles set to public viewing or readily accessible by large networks. This information can often be viewed in real time by search engines and social websites - criminals may be able to use this information to cause you harm. Consider your personal safety. Consider not posting your photo. It can be altered or broadcast in ways you may not be happy about. Make sure your screen name doesn't say too much about you. Be wary if a new friend wants to meet you in person. If you decide to meet them, meet in a public place, during the day, with friends you trust. And tell a responsible adult where you're going.

Think about how different social networking sites work before deciding to join a site.
Some social networking sites allow only a defined community of users to access posted content; others allow anyone and everyone to view postings. Keep control over the information you post by restricting access to your page, and watch for updates to security and privacy policies.

Everything is now social. That puts you at risk.
Picture social networking sites as billboards in cyberspace. Don’t disclose anything about yourself, your friends, or family members that you wouldn’t want to be made public. And remember that once information appears on a Web site, it might never be completely erased. What you say or do online has repercussions offline, so be careful what you post.

Protect your computer. Protect your information.
Think twice before clicking on links or downloading attachments. They may contain viruses or spyware that could damage your computer or steal your personal information – including your online passwords and account numbers. Some messages may “spoof,” or copy the email addresses of friends to fool you into thinking that they’re from them. Don’t click on links or download attachments in emails from strangers, and if you get an unexpected message from someone whose address you recognize, check with them directly before clicking on links or attachments. A spam filter can help reduce the number of unwanted emails you get. Anti-virus software, which scans incoming messages for troublesome files, and anti-spyware software, which looks for programs that have been installed on your computer and track your online activities without your knowledge, can protect you from online identity theft. Firewalls prevent hackers and unauthorized communications from entering your computer.

CONTACT EDGEWATER BANK ONLINE SERVICES IMMEDIATELY AT 269.982.4175 OR 800.922.5221 TO REPORT SUSPICIOUS ONLINE BANKING ACTIVITY OR TO REPORT COMPROMISED CREDENTIALS OR MISSING EQUIPMENT USED FOR ONLINE BANKING.

Credit Card & Debit/ATM Card Fraud Prevention Tips

  • Keep your card in a safe place to avoid damage.

  • When selecting a Personal Identification Number (PIN), avoid numbers and letters that relate to your personal information. For example, don't use your initials, birthday, telephone or Social Security number.

  • Memorize your PIN. Never write the PIN down on anything in your wallet or on the card itself.

  • Immediately report a lost or stolen card to your financial institution.

  • To help guard against fraud, keep your debit/ATM receipts until you check them against your monthly statement.

  • Keep an eye on your credit or debit card every time you use it, and make sure you get it back as quickly as possible.

  • Be very careful to whom you give your card. Don't give out your account number over the phone unless you initiate the call and you know the company is reputable. Never give your credit or debit card information out to anyone that calls you. (For example, if you're told there has been a 'computer problem' and the caller needs you to verify information.) Legitimate companies don't call you to ask for credit or debit card numbers over the phone.

  • Never respond to e-mails that request you provide your credit or debit card info via e-mail -- and don't ever respond to e-mails that ask you to go to a website to verify personal (and credit or debit card) information. These are called 'phishing' scams.

  • Never provide your credit or debit card information on a website that is not a secure site. A website is secure if it has “https:” in the URL and the lock in the bottom right corner of the browser window.

  • Sign your credit cards as soon as you receive them.

  • Shred all credit card applications you receive if you don’t intend to apply for the card.

  • Shield your card number so that others around you can't copy it or capture it on a cell phone or other camera.

  • Only carry cards that you absolutely need. Don't carry extra cards that you rarely use.

  • Review credit card bills promptly and make sure there are no unusual charges. Treat your credit card bill like your checking account -- reconcile it monthly. Save your receipts so you can compare them with your monthly bills. You can also log into your account online for real time transactions. If you find any charges that you don't recognize -- report these charges promptly (and in writing) to the credit card issuer.

  • Always void incorrect receipts and keep a copy for your records.

  • Never write your credit or debit card account number on anything that may be visible to the public in a public place (such as on a payment slip that may show through the envelope payment window).

  • If you move, notify your credit card issuers in advance of your change of address.

  • If you believe you have been a victim of Credit or Debit Card fraud, contact the telephone number listed on your credit card immediately.

ATM Safety

  • Observe your surrounds before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.

  • Take a friend with you – especially at night.

  • Have card out and ready to use.

  • Shield the screen and keyboard so anyone waiting to use ATM cannot see you enter your PIN or transaction amount.

  • Put your cash, card and receipt away immediately. Count your money later, and always keep the receipt.

  • If you see anyone or anything suspicious, cancel your transaction and leave immediately. If anyone follows you after making a transaction, go to a crowded well-lit area and call the police.

  • When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.

  • Do not leave your car unlocked or running when you get out to use an ATM.

Identity Theft

As you know, crimes like identity theft, computer hacking, telemarketing fraud and email fraud are unfortunately all too common today. One of the ways individuals carry out such activities is by posing as a representative of a company you currently do business with.

At Edgewater Bank, we want you to know that the only reason we would contact you seeking any type of personal or financial information would be if you were in the process of applying for a loan or opening an account with us, or if we were attempting to validate an extraordinary transaction on one of your accounts. If you ever question the legitimacy of a request for your personal or financial information made by an individual claiming to represent Edgewater Bank, please contact us immediately at 1-800-922-5221.

An identity thief can get your personal information by many means, both technology-based and people-based, including:

  • Stealing your purse or wallet

  • Pilfering information from your mailbox such as bank statements and pre-approved credit card applications

  • Observing your transactions at ATMs or store checkout terminals to capture your personal identification number (PIN)

  • Going through trash for credit card receipts or loan applications

Here are a few security tips to always keep in mind to help protect yourself from fraud:

  • Do not share your User ID or Password with anyone. Edgewater Bank employees will never need to know your Password, and you should never provide it to anyone claiming to represent Edgewater Bank. (Please note: If you call Edgewater Bank, we may ask for your User ID as verification.)

  • Never disclose personal information to anyone who should not have access to your accounts. This would include information such as your Social Security number, credit card numbers, bank account numbers or any personal identification numbers (PIN). (Please note: If you call Edgewater, we may ask for the last four digits of your Social Security Number as verification.)

  • Do not print your driver’s license number or Social Security number on your personal checks.

  • Report lost or stolen checks or bank cards immediately.

  • Store new and cancelled checks in a secure location.

  • Memorize your PIN. Whenever you select your own PIN, never use information that could be readily found in your wallet or purse, such as your house number or date of birth.

  • Internet Banking is a great resource for monitoring your accounts. You have direct access to your accounts and transactions 24 hours a day with any Internet connection.

  • Review monthly financial statements promptly and report any discrepancies immediately. Never ignore suspicious charges on your statements. If doubtful or unauthorized charges appear on your bills or statements, call us immediately to resolve the discrepancy.

  • If regular bills or statements stop coming to you, take action. Call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.

  • Retain all receipts from ATM, debit and credit card transactions until they have been reconciled to your statements. When you’re ready to dispose of them, make sure your account number is not readable.

  • Be sure to sign new bankcards immediately.

  • Do not carry, important documents you do not need on a daily basis, such as your Social Security card, passport or birth certificate. Carry them only as needed.

  • Destroy cards you no longer use, making sure the numbers are not recognizable.

  • Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers.

  • One way to validate the accuracy of your information and protect against potential fraudulent activity on your accounts is to check your credit report on a periodic basis. If you notice any inconsistencies on your report, notify the agency immediately.

If you believe your identity has been stolen, the Federal Trade Commission has an easy to understand brochure to help you.

Additional Resources

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