It is of utmost importance for us to protect your personal information when you are on our website. We go to great lengths to make sure that your transactions are confidential and secure.
Our Internet Banking System uses a combination of industry-approved security technologies to protect data for the bank and for you, our customers. It features password-controlled system entry, an issued Digital ID for the bank’s server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. To deter users from repeated login attempts, our online system requires the user to key in a Log-In “3 Strikes and your out” mechanism. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID, authenticates the user’s identity and establishes a secure session with that visitor. Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data then travels between the server and customer, is encrypted and can only be decrypted with the public and private key pair. The server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server connection.
The most important way of protecting your Online Banking transactions is by your self-selected User ID and Password. Be sure to keep them a secret. Memorize them and, if you need to maintain a written record of the codes, it is recommended that you store them away from your computer in a secure place and not in your wallet or purse. Always make sure that no one is watching you enter the information and always log off the First Capital Bank Online Banking website whenever you are away from your computer (click the log out button). If your computer is left unattended and the browser is running with your User ID and Passwords entered, anyone can gain access to your accounts. It is recommended that you change your Password often and do not use simple words or numbers in sequence. It is recommended that you use upper case and lower case numbers and letters and use symbols that are unique to you. Stay away from obvious words and numbers, like a family member’s birthday or name.
Visitors to our bank’s Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as; (1) Date and time our site was accessed; (2) IP address (A numeric address given to servers connected to the Internet); (3) Web browser used; (4) City, State, and country. If collected, the bank would use this information only to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail or online registration form. Any information provided would only be used internally, as appropriate, to handle the sender’s request. Information you provide will not be disseminated or sold to other organizations. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
What are cookies? - A cookie is a file sent from a website to your computer's hard drive that is logged on to the site. This file allows the site to recognize whether the computer has been there before and what security requirements and browser preference the computer requires. Only the site that sent the cookie can read the cookie, and only information that has been given directly by the logged on user to the site is accessible. Computer viruses cannot be transmitted through cookies.
Do I have to accept cookies? - You as a customer can choose not to accept cookies. You may do this by making the appropriate selection from your browser options. However, certain services require cookies for effective delivery. Whenever this is the case, you will be informed that you will need to allow cookies if you wish to receive the service. Cookies also make your visit to a site simpler by keeping you from having to re-enter your password every time you change pages within a secure session.