HCB STAR BANKING IS PRIVATE AND SECURE |
| We
are committed to making sure all your bank transactions are safe
and secure, and that your banking privacy is protected, on and off
the Internet. You will access HCB Star Banking through a secure
file server. We have taken many measures to ensure your privacy,
including: |
Information
Encoding
We use the latest encoding technology to ensure that your private
information cannot be intercepted. Encryption is a way to rewrite
something in code, which can be decoded later with the right "key".
When you request information about your accounts, the request is
sent encrypted to HCB. We decode your request and send the requested
information back to you in an encrypted format. When you receive
the information, it is decoded so that you can read it. |
Personally
Selected Account Names
HCB does not display your account numbers over the Internet. Instead,
we ask you to choose a "pseudo" name for each of your
accounts. For example: Laura's Savings, College Fund, etc. |
Individual
ID and PIN Information
In order to access HCB Star Banking, you must enter a unique User
ID and PIN. Bill Payment services require an additional User ID
and PIN. |
PIN
Security System
To keep unauthorized individuals from accessing your account by
guessing your PIN, we have instituted a PIN security system. You
will have three (3) attempts to enter the correct User ID/Password
combination before the user will be "locked out" of the
system. Your account is not accessible via HCB Star
Banking throughout this lockout period. |
Automatic
Log-Off
If you are logged on to HCB Star Banking but do not perform any
activity for ten (10) minutes, you will not be able to proceed until
you "re-log" on to the system. |
Additional
Security Measures
In addition to the above safeguards, we have sophisticated firewalls
and an authentication process to ensure that only authorized individuals
are allowed to enter our system. |
| |
| YOUR
RESPONSIBILITY |
| While
HCB works to protect your banking privacy, you will also play an
important role in protecting you accounts. There are a number of
steps you can take to ensure that your HCB Star Banking account
information is protected, including: |
Keep
your PIN number to yourself
Never reveal your passwords or IDs to anyone else, these are highly
confidential. These codes are designed to protect the privacy of
your banking information, but will only work if you keep them to
yourself. You should memorize your password, and never write it
anywhere or reveal it to anyone. You are liable for all transactions
made or authorized using your password. |
Change
your PIN frequently
You can change your PIN anytime while in HCB Star Banking. Avoid selecting
codes based on personal information. |
Log-Off
when not in use
Remain at your computer until your HCB Star Banking transactions
are complete. Never walk away from your computer while you are logged
on to a HCB Star Banking session. Once your transactions or inquires
are finished log-off. You should also log-off prior to visiting
other Internet sites. |
Report
suspicious activity
If you notice any suspicious or unusual activity related to any
of your accounts, contact us immediately at (281)
537-7170. |
Transaction
numbers
Transactions that you perform on HCB Star Banking are live and in
"real time". Changes executed by you are immediately posted to your
HCB account. After performing a transaction, you will receive a
transaction number. Reference this number if it is necessary to
contact a customer service representative. |
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