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 Equifax – www.equifax.com
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285
Experian – www.experian.com
To order your credit report or report fraud, call:
1-888-EXPERIAN (397-3742)
TransUnion – www.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.
