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ONLINE BANKING

Frequently Asked Questions

We are here to serve your banking needs 24 hours a day. You may access your account online, make transfers, loan payments, pay bills and reorder checks through Clarke American. To enroll, go to the Bank Online button on the left of your screen. You will see a menu, click on enrollment and this will take you through the easy enrollment process. You may also view a demonstration of the Online Banking product and features as well as find answers to your questions in Frequently Asked Questions. Enroll today and enjoy the convenience of Online Banking!

Bill Pay

Bill Pay is one of the fastest and most convenient methods to pay all your bills. Access this service anytime, day or night, from your Internet. Security Bank and Trust Company offers this service to our personal checking customers for $5.95 per month plus $.50 per bill payment over 20 per month. Business customers, your Bill Pay service is free for the first 90 days. Each month thereafter your subscriber fee is $6.95 per month for up to 20 bill payments. Bill payments in excess of 20 per month are billed at $.50 each.

Frequently Asked Questions

What is Online Banking?
Online Banking is a service for Security Bank and Trust Company customers that provides convenient access to account information and account transactions using the Internet. Customers are able to access their accounts 24 hours a day, 7 days a week.

Is there a fee to use Online Banking?
No, it is a free service offered to you by Security Bank and Trust Company.

How do I sign up for Online Banking?
You must first review and accept our Online Banking agreement. You will be directed to a First Time Login. Your temporary Access ID will be your account number and your temporary password will be the last four digits of your Social Security Number. You will then be directed to enter a new Access ID and new Password. Your Access ID is a minimum of 6 characters. Your Password must be between 6 and 10 characters in length, contain at least 2 numeric characters and 2 alpha characters, with at least one alpha character being uppercase.

What if I forget either my username or password?
Contact Customer Service, during business hours, at 918-542-6661 or 888-330-6419.

How do I change my password?
After signing on to Online Banking, click on “Change Password”.

Do you offer an online bill payment service?
Yes! Bill Pay is one of the fastest and most convenient methods to pay all your bills. Access this service anytime, day or night, from your Internet. Security Bank and Trust Company offers this service to our personal checking customers for $5.95 per month plus $.50 per bill payment over 20 per month. Business customers, your Bill Pay service is free for the first 90 days. Each month thereafter your subscriber fee is $6.95 per month for up to 20 bill payments. Bill payments in excess of 20 per month are billed at $.50 each.

How do I enroll for Bill Pay?
Click on Bill Pay Login/Enrollment under the Online Banking button. At the Bill Pay screen click on Enroll and complete the enrollment form. You will be prompted to review and accept the Bill Pay Agreement/Disclosure. The following business day your Bill Pay application will be reviewed and you will receive an email regarding your application.

Is my account information secure when using Online Banking?
The security of your banking information is of great importance to Security Bank and Trust Company. Your information resides behind a “firewall” that protects it against unauthorized entry. In addition, all of our transactions are encrypted so that they cannot be read via the Internet, and you will have a personal password that allows only you access to your accounts. It is critical to your security that you protect this information from others. We suggest you periodically change your password and always log off when leaving your computer or accessing other websites.

What kind of computer software and equipment do I need?
You will need an internet service provider and a web browser that supports Secure Socket Layers (SSL) with 128-bit encryption.

What are the browser requirements?
To access Online Banking we suggest that you use a web browser such as Internet Explorer or Netscape Navigator. Your browser must support 128-bit SSL encryption so that we can maintain the highest encryption standards throughout our website to protect your online account information.

How do I get the most recent version of Internet Explorer or Netscape Navigator?
You can download a copy directly from Microsoft or Netscape using your current browser and following the directions.

Why did my session log out?
For security purposes, there is a time limit on your session. You will be automatically logged out after 15 minutes of inactivity. You are immediately able to login again.

My account says that it is disabled, why did this happen and what do I do?
Your account may have been disabled due to too many invalid login attempts. Please contact a Customer Service Representative at 918-542-6661 or (888)-330-6419.

What does “Invalid Security Code” mean?
While attempting to login to Online Banking, you entered your Access ID or Password incorrectly. Please verify that you are using the correct Access ID and Password and re-enter the information.

What does “Page cannot be displayed at this time” mean?
Your Internet connection may be slow or Online Banking may be down.

Is there online help available?
Yes, should you require additional assistance; online help is your best solution. It’s convenient, simple to use, and structured in a format that enables you to find the information you need quickly. For Online Banking help, login to Online Banking and click the Help button at the top of the page. For Bill Pay help, click on Bill Pay Login/Enrollment under the Online Banking button. There is a Bill Pay demo and once you have enrolled there are Frequently Asked Questions for Bill Pay and a Contact Us link, either online, via email, or by telephone.

If you need further assistance, please contact a Customer Service Representative at 918-542-6661 or 888-330-6419.

Online Security Protection

We are committed to protecting your personal information. Our customer’s online security is very important to us. In order to deliver Internet banking, security procedures have been implemented for you.

When you sign into your Security Bank and Trust Company account with your User ID and Password, they are sent from your computer to ours through a 128 Bit-encryption using Secure Socket Layer (SSL) protocol technology. This method allows you to establish a secure connection to communicate with the bank, ensuring that no one else can read your information. Once the secure connection has been established between your browser and our server, you gain access to your account(s). Transactions sent to our banking server must pass through a filtering router system and firewall and the system is monitored 24-hours a day, seven days a week in order to protect your information.

User Responsibilities
As a user of the online banking system, you have a responsibility for the security of your information. Always take every precaution to protect your personal information and property by following the recommendations below:
Choose your password carefully, change it frequently, and keep it confidential. Select a password that is hard to guess and change it regularly to protect yourself.
    Make sure your computer is up to date.
    • Apply the latest security updates and patches for your computer.
    • Use up-to-date antivirus software.
    • Use an internet firewall.
    • Implement a spam filter for your email account.
    This website is best viewed through Microsoft Internet Explorer or Netscape Navigator.Please review the Internet Scams and Safety section of the website for further information.
Internet Scams & Internet Safety

Here are some tips to promote Internet safety and avoid Internet scams.

Never save your password to your desktop – Saving your password to your desktop may seem like a timesaver, but it allows others to access your personal information without your permission.

Avoid using passwords that are easily guessed – Do not use passwords with your phone number, date of birth or social security number. Create passwords that contain letters and numbers that cannot be easily attributed to you. Change your password every 60 days or as often as you feel comfortable. Keep in mind that the longer the password, the harder it is to break it. Also use a combination of upper and lower case letters and numbers.

Do not open Email from unknown sources – Emails may contain viruses that can damage your computer or spy ware that records keystrokes and websites that you visit. Be wary of Emails that contain typographical errors or misspelled words as those may be indicators that the Email is a scam.

Be wary of any Email that asks for PIN numbers, passwords, account numbers, credit or debit card information – Security Bank & Trust will never send you an Email asking for this information. There have also been scams where an official looking Email from the FDIC asks for this type of information or directs you to a website where you enter personal information. Do not fall for this. The FDIC or any other bank regulatory agency will not send you an Email asking for personal information. If you do receive a questionable Email, do not respond to it. Please call the bank or local law enforcement.

Identity Theft

What is identity theft?
Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips
  • Don’t give out personal information on the phone, through the mail or over the internet unless you’ve initiated the contact or are sure you know whom you’re dealing with.
  • Don’t carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.
  • Don’t put your address, phone number, or drivers license number on credit card sales receipts.
  • Social Security numbers or phone numbers should not be put on your checks.
  • Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you’re discarding, and credit offers you get in the mail.
  • Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your Social Security number, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother’s maiden name. Use a password instead.
  • Secure personal information in your home, particularly if you have roommates or hire outside help.
  • Promptly remove mail from your mailbox. If you’re planning to be away from home and can’t pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.
  • Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
  • Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?
Check your credit report
Order a copy of your credit report from each of the three major credit- reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized.

By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don’t underestimate the importance of this step.

Credit Bureaus
Equifaxwww.equifax.com
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285

Experianwww.experian.com
To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)

TransUnionwww.transunion.com
To order your report, call: 1-800-916-8800
To report fraud, call: 1-800-680-7289

Warning signs
Although there may be no warning signs that precede an identity theft, there are some reasons to be concerned. These include
  • Your bills or statements don’t arrive on time. A missing credit card bill could mean someone has taken over your account and changed your billing address.
  • You are denied credit for no apparent reason.
  • You begin to receive bills from companies where you haven’t bought anything.
  • Collection agencies begin trying to collect on debts you don’t recognize.
If you do become a victim
Sometimes an identity thief can strike even if you’ve been very careful about keeping your personal information to yourself. If you suspect that your personal information has been hijacked and misappropriated to commit fraud or theft, take action immediately. Keep record of your conversations and correspondence.

Exactly which steps you should take to protect yourself depends on your circumstances and how your identity has been misused. However, three basic actions are appropriate in almost every case.

1. Contact the fraud departments of each of the three major credit bureaus.
You should request that a “fraud alert” be placed in your file, as well as a victim’s statement asking that creditors call you before opening any new accounts or changing your existing accounts. This can help prevent an identity thief from opening additional accounts in your name.

At the same time, order copies of your credit reports from the credit bureaus. Credit bureaus must give you a free copy of your report if your report is inaccurate because of fraud, and you request it in writing. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts. Also, check the section of your report that lists “inquiries”. Where “inquiries” appear from the company (ies) that opened the fraudulent account (s), request that these “inquiries” be removed from your report.

Please note: Fraud alerts and victim statements are voluntary services provided by the credit bureaus. Creditors do not have to consider them when granting credit. That’s why it’s vital to continue checking your reports periodically. In addition, fraud alerts and victim statements expire; you need to renew them periodically. Ask each bureau about its policy.

2. Close all accounts that you know or believe have been tampered with or opened fraudulently.
Notify all creditors and financial institutions, in writing and by phone, that your name and accounts have been used without your permission. If an existing account has been stolen, ask the creditor or bank to issue you new cards, checks, and account numbers. Carefully monitor the account activity to the issuing company immediately.

3. File a Police Report
Provide as much documentation as you can – such as debt collection letters, credit reports, and other evidence of fraudulent activity. This information will help the police file a complete report.

Be persistent. Stress the importance of a police report, as many creditors require one to resolve your dispute. Plus, credit bureaus will automatically block the fraudulent accounts and bad debts appearing on your credit report, but only if you can give them a copy of the police report. If you can’t get the local police to take a report, try your county police. If that doesn’t work, try your state police.

Federal Law Enforcement
Also report the crime to the following federal law enforcement agencies.

Federal Trade Commission (FTC)
The FTC is collecting identity theft complaints from consumers to help law enforcement agencies worldwide.

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Ave. N.W.
Washington DC 20580
Or Call 877-IDTHEFT

Federal Bureau of Investigation (FBI)
The FBI investigates cases of identity theft and recognizes that identity theft is a component of many crimes. These include bank fraud, mail fraud, wire fraud, bankruptcy fraud, insurance fraud, fraud against the government, and terrorism. Local offices are listed in the Blue Pages of your telephone directory.

U.S. Secret Service (USSS)
The U.S. Secret Service investigates financial crimes, including identity theft. The Secret Service typically investigates cases involving larger dollar amounts, but regardless of your loss, the information may provide evidence of a larger pattern of fraud requiring their involvement. Local offices are listed in the Blue Pages of your telephone directory.

Online Demo

Coming soon!