Why security is important
In the information age,
ECM Libra
has a commitment to protect your information. While our privacy policies are the
same whether you are online or not, we have extra measures in place to protect your
privacy when you bank online with
ECM Libra.
Satisfying our customers' financial needs in a secure manner and helping them succeed
financially has been a cornerstone of
ECM Libra
since we first opened our doors. At
ECM Libra,
protecting our customers and their information is a top priority – one that we
take very seriously.
We continue to enhance our systems and processes as online services evolve. Because
no single solution can ensure online security, we have developed a layered security
approach with industry-leading solutions.
We have two major objectives in selecting the right electronic safeguards:
- Protecting our customers' information
- Minimizing customer impact while providing multiple layers of protection wherever
customer transactions call for added security
Security, quite simply, protects the confidentiality of your account information
and prevents theft of your financial assets.
Internet security overview
It is important to verify that only authorized users log into our Online Banking
system. We use multi-layered security, including password verification to ensure
user authorization. We limit the number of times you can enter your password incorrectly.
We monitor and record incorrect login attempts to detect suspicious activity, such
as someone trying to guess your password. You play a crucial role in preventing
others from logging on to your account. Never use “weak” passwords that are easy
to guess. Examples of poorly crafted passwords are: birth dates, first names, pet
names, addresses, phone numbers, and social security numbers. Never reveal your
password to another person. You should periodically change your password, which
is an option within our Online Banking system.
Our Enhanced Login Security provides additional peace of mind when using
ECM Libra
Online Banking. Enhanced Login Security strengthens security and protects against
online fraud by requiring an additional authentication “factor” beyond your ID and
password each time you login to Online Banking. This additional layer of security
is a browser-based secure cookie, a piece of information that is stored on your
computer and is recognized by our system when you login.
We also “time out” an Online Banking session after a specified period of inactivity.
This keeps others from viewing or continuing Online Banking activity if you leave
your PC unattended. However, we recommend that you always sign off (log out) when
you have finished your online banking.
Electronic Mail
Messages sent by e-mail may not be secured, may be intercepted by third parties
and may not be immediately received by the appropriate department at
ECM Libra.
Please do not use e-mail to send us communications that contain confidential information,
which we require in writing or which need our immediate attention. Please call us
instead at
517-484-5080.
Be aware that a "receipt" acknowledgment on an e-mail message means only that
the message has routed into the Internet, not that the message has been received
by
ECM Libra.
Urgent or confidential matters should be addressed via phone or in person. Written
authorizations should be provided via U.S. mail, private delivery service (i.e.
overnight delivery), or in person.
Web Site Links
The links in this web site will let the user leave the
ECM Libra
site. The linked sites are not under the control of
ECM Libra,
and
ECM Libra
IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links
are provided as a convenience to users. Access to any other Internet sites linked
to this web site is at the user's own risk. The inclusion of any link does not imply
a recommendation or endorsement by
ECM Libra
of the linked site.
About "cookies"
Cookies are commonly used on web sites and do not harm your system. By configuring
your preferences or options in your browser, you determine if and how a cookie will
be accepted. We use cookies on our Online Banking system for the sole purpose of
providing additional security to our customer.
Secure Tokens
Secure Tokens are devices issued to certain Personal Online Banking and Business
Online Banking customers, who conduct monetary transactions that by their nature
are considered a higher risk, such as Automated Clearing House (ACH) originations.
These handheld portable devices generate a six-digit random number every 35 seconds
which must be entered in order to complete transactions.
Read More
about Businesses Secure Tokens >>
Read More
about Personal Secure Tokens >>
Bank Expectation of Customer Responsibilities
The security systems that are in place however, cannot protect those customers who
do not follow secure and proper computer practices. It is vitally important that
customers take all necessary precautions such that their computer access credentials
are not compromised. This includes but is not limited to avoiding any activity that
increases the likelihood of identity theft; not opening fraudulent email messages
that contain harmful viruses or malware; not falling prey to “social engineering”
whereby perpetrators obtain computer access information with direct communications
via phone calls, fax, or mail; not sharing user ID and passwords with co-workers
or friends; prohibiting the use of “weak” passwords; keeping computer anti-virus
and similar programs up to date; and not falling prey to internet sales and get-rich-quick
scams. Therefore
ECM Libra
has the expectation that each customer will take any and all reasonable precautions
to reduce the likelihood of computer related fraud and the resulting financial losses.
Revised Date: October 18, 2010