Protect Your Online Banking Account Information

While we work to protect your banking privacy, you will also play an important role in protecting your accounts and personal information. Please take the following steps to ensure your account information is protected.

Don't reveal your User ID or Password to anyone else. Your User ID and Password are designed to protect your banking information, but they will only work if you keep them to yourself.

Change your Online Banking Passwords frequently.

Don't walk away from your computer if you are in the middle of an Online Banking session.

Once you have finished your session, sign off before visiting other Internet sites.

To assure the security of your account, be sure to click the EXIT button, clear your browser's cache to erase any stored information and close your browser window. This is especially true if you are using a public Internet device.

As always, if you notice any suspicious or unusual activity related to any of your accounts, please call us at (209) OTB BANK or email us.

Corporate Account Takeover

Corporate Account Takeover is the business equivalent of personal identity theft. Hackers, backed by professional criminal organizations, are targeting small and medium businesses to obtain access to their web banking credentials or remote control of their computers. These hackers will then drain the deposit and credit lines of the compromised bank accounts, funneling the funds through mules that quickly redirect the monies overseas into hackers' accounts.

As a business owner, you need an understanding of how to take proactive steps and avoid, or at least minimize, most threats.

Use a dedicated computer for financial transactional activity. DO NOT use this computer for general web browsing and email.

  • Apply operating system and application updates (patches) regularly
  • Ensure that anti-virus/spyware software is installed, functional and is updated with the most current version
  • Have host-based firewall software installed on computers
  • Use latest versions of Internet browsers, such as Explorer, Firefox or Google Chrome with "pop-up" blockers and keep patches up to date
  • Turn off your computer when not in use
  • Do not batch approve transactions; be sure to review and approve each one individually
  • Review your banking transactions and your credit report regularly

Standard Chartered's Online Banking is Private & Secure

We are committed to making your Online Banking experience safe and secure. We have taken many measures to ensure your privacy. We have listed below the security measures for your protection:

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 Standard Chartered. 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.

PIN Security System

To keep unauthorized individuals from accessing your account by guessing your Password, we have instituted a Password security system. If your Password is entered incorrectly three consecutive times, the user is "locked out" of the system. If you have forgotten your password and have accidentally locked yourself out of your Internet banking account, please contact us via email.

Automatic Logoff

If you are logged on but do not perform an activity for 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 safe-guards, we have sophisticated firewalls and an authentication process to ensure that only authorized individuals are allowed to enter our system. We also have 24/7 network monitoring to further augment our security controls.

Email Communications

Please remember, email is not necessarily secure against interception, and you should be cautious when sending email with personal information. If your information is very sensitive, or includes personal or confidential information-such as your bank account or Social Security number-you may want to contact us by postal mail or telephone.