For Your Protection

Cybersecurity

Educate Yourself

In recent years, the banking industry has seen significant changes in the internet banking threat landscape:

• Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise security and gain unauthorized access to customers’ online accounts. Rapidly growing organized criminal groups have become more specialized in financial fraud, and have been successful in compromising an increasing array of controls.
   
• Fraudsters are responsible for losses of hundreds of millions of dollars resulting from online account takeovers and unauthorized funds transfers.

Intercredit Bank’s goal in providing security awareness to our customers is to help protect your online account and transaction information from these types of incidents. Intercredit Bank is committed to protecting your personal information. Our Internet Banking platform uses several different methods to protect your information. In addition to the security features put in place by Intercredit Bank, here are some steps you can take to keep your personal information secure:

• If you believe your internet banking User Name or Password or other means of access have been lost or stolen, or that someone has used them without your authorization, call us immediately at 305-264-9193or 1-866-602-4207 during normal business hours. After hours you may e-mail us at customerservice@intercreditbank.com.

• Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations. We will send an e-mail back to you as confirmation that we did receive it. Because e-mail is not secure, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we will need.
• If you have given someone your Internet Banking User Name and Password or other means of access, and want to terminate that person's authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person.
• You are responsible for all transfers you authorize using the Internet Banking services under its Agreement. If you permit other persons to use your login credentials, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Access Code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down.