Have you signed up for Online Banking?

The Bank of Odessa offers Online Banking that is secure and convenient. We have several protections in place to protect your personal information. With online access, you can login to your account, view your current balance, transaction history, make transfers, and even pay bills remotely from your home, office, or the beach! Ask about Online Banking and related services such as Bill Payment and E-Statements next time you are in the bank!

Our online banking is secure.

Security is important to us. We have implemented a layered approach to security to protect you in the best way we know how. What have we done?

Implemented multi-factor authentication – to provide enhanced security requiring a special security code when you login from an unknown device.

Masked your account numbers – meaning your full account number is never revealed.

Set time-out restrictions – your session will automatically log you out after several minutes of inactivity. If you left your session abruptly, we don’t want someone else to pick up where you left off! We will require your User ID & Password before restoring the session.

Encryption: Everything you do within Online Banking is encrypted with a minimum of 128 bit encryption. This means that no one will be able to make sense of the information you are transmitting online.

Enhanced Transaction Verification Techniques – We block the ability for activity to originate from IP Addresses with known or suspected fraudulent activities. We also have payment limits in place to protect against significant losses.

Fraud Detection & Monitoring: We know what your regular online behavior and history looks like. Keeping a baseline of this activity, helps us to be able to recognize if anything suspicious arises in the future.

But with YOUR help, it can be even BETTER!

Even with the strongest protections in place, incidents may still occur that are out of our control. What can you do to help us protect your information?

Protect your passwords. Do not write down your passwords, store them in your computer, or share them with a friend. Keep your passwords for yourself and keep them in a secure location. Change them periodically and make sure they are strong when created. The strongest password is long (12+characters is best), has an uppercase letter, lowercase letter, number, and special character. It is not a personal reference or a word that can be found in a dictionary. Consider using passphrases or abbreviations.

Guard your personal information. Lock your phone using a PIN, Pattern, Biometrics (TouchID or Facial Recognition), or other security measures that may slow down a thief while you report your phone missing.

Access your accounts from a secure location. Avoid using public WIFI with a shared password or unsecured wireless access such as provided by airports, hotels, and restaurants. Someone can easily intercept or collect any information you transmit over these connections.

Let us know if your phone has been lost or stolen. Change your Online Banking User ID & Password. Call your carrier to report the incident and suspend your phone number. Wipe (erase), or lock down your device. Both Apple and Android have tools available to remotely disable your device.

Monitor your accounts regularly. You should know before anyone if something suspicious is coming across your account. Ask us about Instant Account Alerts and Instant Debit Card alerts for help monitoring your account activity!

Don’t get phished. Phishing is a way for criminals to get sensitive information through social engineering.

Update your computers and mobile devices. Keep Firewalls, Anti-Malware, and Anti-Virus protections up-to-date. Update your operating systems and security software.

Think before you download. Make sure it comes from a reputable source, review the privacy policy, what apps they request permission to access, and understand what specific data the app can access. Also, it is a good practice to look at the developer’s name, check reviews and star ratings.

Be careful with QR codes. QR (Quick Response) codes can direct your mobile device to a malicious site that can put your computer’s contents and your privacy at risk. Be especially cautious if you receive a QR code via email.

Don’t jailbreak your mobile device to work around limitations set by your carrier or device manufacturer. It will remove protections that defend against mobile threats.

Keep your information current. We need to be able to know where to reach you if necessary.