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Safety & Security

The safety and security of your money is of the utmost importance to us. We have taken steps to make sure we have the highest level of security features available within our products, but preventing fraud is a team effort. It’s important for you to learn how to recognize and prevent fraud. Below are recommendations on how you can help protect yourself from fraud, scams and ID theft. If you have been a victim of fraud, call your bank immediately.

Debit & Credit Card Security

Debit cards and credit cards are different. When you make a purchase with your debit card, the money is directly deducted from your bank account, unlike a credit card where you buy now, pay later. It is crucial to monitor your bank and card accounts regularly and report suspicious activity immediately.

Best Practices for Card Safety

Protect your PIN and card information

Never share your PIN over phone, email or text, especially if you did not initiate contact.
At checkout, run your debit card as a "credit" to avoid entering your PIN.
At ATMs or point-of-sale terminals, if you have to enter your PIN, use your hand or body to shield the keypad from prying eyes or cameras.
If your card or PIN is lost or stolen, report it to your bank immediately to limit potential loss.

Be Cautious with Online Transactions

Use a credit card for online purchases when possible as they often offer better fraud protection.
If you use a debit card, consider dedicating a separate bank account with a limited balance for online transactions.
Consider devoting a seperate bank account for online purchases and limit the balance.
Before entering card information, verify the website is secure. Look for a padlock icon and "https://" in the URL.
Avoid making purchases or accessing financial accounts over public Wi-Fi networks.

Monitor Your Accounts Regularly

Review your bank statements and online accounts often for unfamiliar transactions.
Set up account alerts to receive notifications of activity.
Download the Card Suite Lite app to monitor your debit card activity, set spending limits, lock and unlock your card and receive instant alerts.
If you notice unauthorized transactions, contact your bank immediately.
Report lost or stolen cards to immediately to minimize potential loss.

Understand Your Liability

Under federal law, your liability for unauthorized transactions depends on the type of card and when you report the loss.
The Federal Trade Commission offers a guide for reporting lost or stolen debit, credit or ATM cards and how to limit your losses.

Resources are provided as information only and should not be construed as legal advice.

Fraud, Scams, and ID Theft

Fraud and identity theft continue to rise, with scammers employing increasingly sophisticated tactics, including AI and deepfakes. It is extremely important to stay viligent and protected.

Stay Alert to Protect Yourself and Your Money

Recognize Common Scams

Scammers often use tactics that create a sense of urgency, panic or fear. They often pretend to be from an organization you know or a government agent. With advanced technology, they may even use real names and spoof voices you are familiar with. Be cautious of:

Unsolicited requests: Calls, emails, or text messages stating there is a problem or emergency and asking you to share personal or financial information.
Pressure to act quickly: Demands to make immediate decisions or payments. Scammers want you to act before you have time to think.
Unusual payment methods: Requests for payment via gift cards, wire transfers or cryptocurrency.
Too-good-to-be-true offers: Promises of prizes, loans or job opportunities that require upfront fees.

Knowledge is the best defense. Stay updated on the latest scams and fraud alerts:

Protect Yourself From Identity Theft

Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. Victims may face financial loss, damaged credit and emotional distress.

To Help Prevent ID Theft:

Monitor your accounts: Regularly review bank and credit card statements for unauthorized transactions, and check your credit report annually.
Secure personal information: Don't give out personal or financial information, shred documents containing sensitive data before disposal and document the contents of your wallet or purse, including emergency contact numbers on credit cards.
Protect your devices: Use strong passwords and enable multi-factor authentication.
Be cautious online: Avoid clicking on suspicious links or downloading attachments from unknown sources.

If You Suspect Identity Theft:

Take immediate action to help minimize damage.

Contact your financial institution: Report any unauthorized transactions or account activity.
Place a fraud alert: Contact one of the three major credit bureaus to add a fraud alert to your credit report.
Report to the FTC: File a report at IdentityTheft.gov to receive a personalized recovery plan.
File a police report: Provide documentation to support your case and assist in investigations.

FTC offers more information on preventing identity theft and a step-by-step guide for reporting theft.

Online Protection and Security

As cyber threats grow increasingly sophisticated, it's essential to adopt proactive measures to protect your personal and financial information online.

Online Security Basics

Be Alert to Common Threats

Phishing Emails & Fake Websites: Never click on suspicious links or share sensitive information via email. Carefully review emails, email addresses and websites for red flags signaling a scam. Security Bank will never ask for your social security number, password, or card details by email or pop-up.
Spyware and Viruses: Spyware and viruses are destructive programs loaded on your computer without your permission or knowledge. Spyware appears as a legitimate application on your computer but actually monitors your activity and collects sensitive information. Install and regularly update anti-virus software and firewalls to protect your devices from unauthorized access.
Pop-Up Advertisements: Don’t click on pop-ups asking for personal or financial info. Many are designed to install malware.

Protect Yourself Online

Monitor your accounts and transactions regularly.
Be suspicious of all unsolicited emails and texts with llinks or urgent requests for personal financial information.
Be cautious about opening any attachments or downloading any files from e-mails, regardless of who sent them.
If you have any doubts about the validity of an email, contact the sender using a telephone number you know to be genuine.
Look for secure website indicators: URLs starting with https:// and a lock icon in the browser.
Always access your bank accounts by typing the URL directly into your browser: sbtulsa.bank.
Keep your operating system and browsers updated with the latest security patches.
Use anti-virus and firewalls.

Additional Resources

Avoid scams, secure your computer, and protect your children online: onguardonline.gov.
Protecting yourself and your information online: staysafeonline.org.

Password Protection

We take numerous steps to keep your account information secure. However, you must take precautions as well. It is critical that you use a highly secure password for all of your financial accounts. Social Networking sites like Facebook have become a source of personal information used by someone trying to perpetuate fraud. Consequently, you should avoid using your pet's name, child's name, or any other publicly known information that could easily be guessed.

The most secure passwords are a combination of letters, numbers, and special characters and not simply an address, phone number, or birth date. For added security, remember to change your password on a regular basis and avoid using the same password for multiple accounts.

Choose a password – Your online password, along with your User ID, authenticate your identity when accessing online accounts. Our online banking system has several password requirements, allowing you to establish a complex password that is not easily guessable. Your password should include a combination of the following: upper case letters, lower case letters, numbers, and special characters.
Keep your password safe – Even the best password is worthless if it's written on a note attached to your computer or kept in your checkbook. Memorize your password and never tell it to anyone.
Change your password regularly – Our online banking system will prompt you to change your password periodically. You also have the capability to change your password at any time when you are logged into the online banking system.
Remember to log off properly – You may not always be at your own computer when banking online. Therefore, it's important to log off using the provided link to exit your online banking session. If you forget to do so, the system automatically signs you off after 20 minutes of inactivity.

SB Online Security

How We Protect Your Online Security

The security of your financial information is one of Security Bank's most important responsibilities. We maintain our Online Banking platform using stringent information security guidelines and use many lines of defense to protect your account information. From dual authentication, SSL, encryption software, high-end firewalls, and automatic log off, your information is always safe and secure.

Dual Authentication ensures that you, the legitimate user, is communicating with us and not a fraudster who does not have authority to access your online accounts. If our system does not recognize the location from which you are attempting to log in, you will be required to go through some additional verification procedures before you are able to gain access.
SSL stands for "Secure Socket Layer." This technology allows users to establish sessions with secure Internet sites, meaning they have minimal risk of external violation. Once inside the Online Banking site, our use of SSL technology keeps you and your account information secure.
Encryption turns words and phrases into coded language. All of your online activities during an Online Banking session become a string of unrecognizable numbers before entering the Internet. We employ the strongest forms of cryptography that are commercially available for use over the Internet, so your account information will read as gibberish to everyone but you and our financial institution.
High-end firewalls protect our computer systems interacting with the Internet against unauthorized access by outside individuals or networks.
Automatic log off is done automatically after 20 minutes of inactivity during an Online Banking session. If you forget to log off after you finish your online session, the system will automatically log you out to prevent anyone else from accessing your information.

From the moment account information leaves your computer to the time it enters our Online Banking system; we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.

You must enter your password, and we must verify it before you are allowed to access your accounts.
Our online banking system requires the use of a strong password consisting of a combination of upper case letters, lower case letters, numbers, and special characters. Passwords will expire after 90 days.
If we are unable to verify your login information, we will initiate an identity verification process in an effort to help you get logged into the online banking system. If we are unable to verify your identity, you will be asked to contact the bank for further assistance.
Only browsers supporting the SSL security protocol with 128 bit encryption can be used to log on to our system.
Once online, we make sure only you can view any information about your accounts.
SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Online Banking system.
SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.

Learn more about cybersecurity from the FDIC Consumer News newsletter.

Security Statement

At Security Bank, we understand how important your financial information is and we have taken steps to make sure our customers have the highest level of security features available within our online banking product. Here is information concerning the security in place with this system:

Software and Hardware:

Our proven, state-of-the-art software and hardware technologies ensure that your data is safe. We use SSL encryption, firewalls, filtering routers, and a variety of authentication techniques. These methods guard your data as it passes from your computer to our systems and back again.

Encryption:

Security with the World Wide Web begins with your browser. To protect transactions, we accept log-ins originating from a browser that supports both regular encryption (40-bit) and the highest level of encryption (256-bit). Encryption prevents transactions from being read by unauthorized parties over the Internet. Secure browsers employ secure sockets layer (SSL) technology to communicate with servers. This technology encrypts (or scrambles) your account information so it's virtually impossible for anyone to read it. Further, for security reasons, your browser can't remember your password, so you have to enter it each time you begin an Online Banking session by logging in.

Timeout:

If your online banking session is inactive for 8 minutes (that is, you have not submitted any transactions), your session automatically terminates, and you will need to log on again. Online Banking is designed this way to provide you with maximum security in case you forget to log out.

Cookies:

Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser in order to enable our systems to recognize your browser and to enhance our services and provide you with a more effective web experience. We do not combine any personally identifying information about you with this cookie. For more information about the use of cookies, please see our Privacy statement.

So as you can see, you can rest assured that your financial information is secure!