Internet Banking

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Security Statement First National Bank USA

At First National Bank USA we take security very seriously. We have taken every precaution necessary to be sure your information is transmitted safely and securely. The latest methods in Internet system security are used to increase and monitor the integrity and security of our system.

To develop a sound architecture, First National Bank USA has incorporated the capabilities of firewalls, control capabilities of routers, operating system level controls, application level controls, report consolidation methods, and security monitoring devices such as Intrusion detection systems and scanners. In this architecture, every piece is layering on the capabilities of the other to create overlapping controls and fail-over. What this means to you is that if a single layer of security is broken, other layers of security are there. This is referred to as "security in-depth".

Data security between the customer browser and our Web server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. In addition, SSL provides a security "handshake" that is used to initiate the connection. This handshake results in the client and server agreeing on the level of security they will use and fulfills any authentication requirements for the connection. Currently First National Bank USA's online banking application supports data encryption at the highest level (128 bit). In order to get this level of encryption, you will need a browser that supports it. Both versions 3 and 4 of the most popular browsers support 40-bit encryption as a default, although you can upgrade your security level very easily. For those clients that are using Internet Explorer, the upgrade process is fairly simple. By simply clicking on Help and About Internet Explorer after bringing up the browser, you will notice a Cipher Strength. This will tell you the security level, and give you an opportunity to upgrade via the hyperlink to Upgrade Information.

For those of your clients using Netscape, there is a similar process. By clicking on Help and Software Upgrades after bringing up the browser, you will be taken to a SMART upgrades screen from which you can download the updated version of 128-bit encryption software.

All other browsers will probably need to go to their software company's home page, where many times the upgrades are available for download.

When accessing our Internet Banking site, you will be forwarded to a Web page with a URL address that starts with https://. This will cause your browser's HTTPS layer to start an encrypted session using SSL. You will then receive a login screen. Since the encrypted session has already been started, your user name and password are safe and secure. The data traveling between the user and the server is encrypted and can only be decrypted with the public and private key pair. These two keys are the only combination possible for that session. When the session is complete, the encryption keys expire and the whole process starts over when a new session is started.

Our network intrusion detection system is running 24 hours a day, 7 days a week. The network intrusion detection engine sits on the same network as the Internet Banking site and monitors all traffic on that segment. The engine is looking for attack signatures - watching for evidence that an attempted intrusion is taking place. When the engine detects unauthorized activity, it responds immediately by terminating the connection, sending an alert to specially trained staff and recording the session. This allows security architecture to automatically monitor network traffic, detect and respond to suspicious activity, and intercept and respond to network abuse before systems are compromised.

Internet security does not rely on technology alone. Without everyone's participation, all the security systems and technology in the world are worthless. You must treat your User ID and password with the same care as an ATM or credit card and PIN. In addition, you must make sure that no one is physically watching when you enter your password. If you are logged in to the service, be sure to log off of the service and exist the browser when you leave the computer unattended. You should also take standard precautions to keep you system clean and free from viruses that could be used to capture password keystrokes and financial information.

If you should have additional questions regarding the security of our Internet site, please contact us at (985) 785-8411.