How We Protect You
We are committed to the safety of your accounts and provide a variety of security measures to ensure we are following through on that commitment.
Fraud Protection
Debit Card Transaction Monitoring
Community State Bank has partnered with Fiserv to provide 24/7 Fraud Monitoring for all Community State Bank Debit Mastercards.
Fraud Protection
Bill Pay Fraud Monitoring
We’ve partnered with FraudNet to provide bill pay fraud services 24/7. This feature monitors your bill pay transactions to help protect against potential fraud. If potential fraud does occur, FraudNet will freeze your Online Bill Pay and attempt to contact you; however, if FraudNet cannot reach you they will alert CSB. FraudNet will perform an investigation on the potential fraud case, if the transaction(s) are determined to be fraud they will be rejected.
Online Security
Secure Data Transfer
All information within Online Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Community State Bank.
At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank’s server. The bank responds by sending a certificate, which contains the bank’s public key. Your browser authenticates the certificate (agrees that the server is in fact Community State Bank), then generates a random session key which is used to encrypt data traveling between your browser and the bank’s server. This session key is encrypted using the bank’s public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.
Secure Socket Layer (SSL) protects data in three key ways:
- Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Community State Bank.
- Encryption scrambles transferred data.
- Data integrity verifies that the information sent by you to Community State Bank wasn’t altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
Multifactor Authentication
Introducing Secure Now Online Banking Security
Community State Bank is proud to deliver the highest level of security for our Online Banking customers. We have added an additional layer of security to our log-in process called Secure Now. This ensures that your information is secure, protecting you from fraud and identity theft. Secure Now verifies your identity. Every time you log in to Online Banking, our system will verify your identity with a phone call or email.