- Education is Key – Train your employees
- Secure your computer and networks
- Limit Administrative Rights -Do not allow employees to install any software without receiving prior approval.
- Suspect a Fraudulent Transaction
- If you are trying to process an ACH Batch & you receive a maintenance page.
- If you receive an email claiming to be from the Bank and it is requesting personal/company information
- The direct contact numbers of key bank employees (including after hour numbers);
- Steps the account holder should consider to limit further unauthorized transactions, such as:
- Changing passwords;
- Disconnecting computers used for Internet banking; and
- Requesting a temporary hold on all other transactions until out-of-band confirmations can be made;
- Information the account holder will provide to assist the bank in recovering their money;
- Contacting their insurance carrier; and
- Working with computer forensic specialists and law enforcement to review appropriate equipment.
- The Small Business Administration’s (SBA) website on Protecting and Securing Customer Information: www.sba.gov/managing-business/cybersecurity
- The Federal Trade Commission’s (FTC) interactive business guide for protecting data: www.ftc.gov/tips-advice/business-center/guidance/careful-connections-building-security-internet-things
- The National Institute of Standards and Technology’s (NIST) Fundamentals of Information Security for Small Businesses: csrc.nist.gov/publications/detail/nistir/7621/rev-1/final
- The jointly issued ‘Fraud Advisory for Businesses: Corporate Account Takeover’ from the U.S. Secret Service, FBI, IC3, and FS-ISAC available on the IC3 website: www.ic3.gov/Media/PDF/Y2010/CorporateAccountTakeOver.pdf
- NACHA – The Electronic Payments Association’s website has numerous articles regarding Corporate Account Takeover for both financial institutions and banking customers: www.nacha.org/c/Corporate_Account_Takeover_Resource_Center.cfm
Privacy Policy Facts
FACTS | What does Sicily Island State Bank do with your personal information? |
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Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Sicily Island State Bank chooses to share; and whether you can limit this sharing. |
Privacy Policy Reasons
Reasons we can share your personal info | Does Sicily Island State Bank Share? | Can you limit this sharing? |
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For our everyday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes: to offer our products and services to you | Yes | No |
For joint marketing with other financial companies | No | We don’t share |
For our affiliates’ everyday business purposes – information about your transactions and experiences | No | We don’t share |
For our affiliates’ everyday business purposes – information about your creditworthiness | No | We don’t share |
For nonaffiliates to market to you: | No | We don’t share |
What We Do
What we do |
|
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How does Sicily Island State Bank protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. |
How does Sicily Island State Bank collect my personal information? | We collect your personal information, for example, when you:
We also collect your personal information from other companies. |
Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
Privacy Policy Definitions
Definitions |
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Affiliates | Companies related by common ownership or control. They can be financial and non financial companies.
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Non Affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
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Joint Marketing | A formal agreement between non affiliated financial companies that together market financial products or services to you.
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Other Important Information
Other Important Information |
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For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization. |
- Deposit Account
- Loan Account
- Safe deposit box
- Individual Retirement Account
- Credit Card
- CATEGORIES OF INFORMATION WE COLLECT
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or forms;
- Information about your transactions with us, our affiliates or others;
- Information we receive from a consumer reporting agency;
- Information about your transactions with nonaffiliated third parties.
- CATEGORIES OF INFORMATION WE DISCLOSE We do NOT disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
- CONFIDENTIALITY AND SECURITY We restrict access to nonpublic personal information about you to “those employees who need to know that information to provide products or services to you.” We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Protect Yourself
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
- Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.
- Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.
- Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
- Changing Your Address. They divert your billing statements to another location by completing a change of address form.
- Old-Fashioned Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records, or bribe employees who have access.
- Pretexting. They use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.
The First Line of Defense
Understanding the risks and knowing how fraudsters might trick you is a critical step in protecting yourself online. Here are some threats to watch for:
Lost or Stolen Card?
Call 1 (800) 383-8000
Sicily Island Branch
Lobby Hours
Monday – Thursday
9:00 am – 4:00 pm
Friday
9:00 am – 5:00 pm
Drive Thru Hours
Monday – Thursday
8:30 am – 4:30 pm
Friday
8:30 am – 5:00 pm
Winnsboro Branch
Lobby Hours
Monday – Thursday
8:30 am – 4:30 pm
Friday
8:30 am – 5:00 pm
Drive Thru Hours
Monday – Thursday
8:00 am – 5:00 pm
For more information on our Regular & Club Accounts