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The First National Bank of Wyoming recognizes and respects our customer's privacy expectations. Therefore, it is our policy to maintain our customer's information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our online banking customer's personal information, as well as that of all visitors to our web site. A detailed description of The First National Bank of Wyoming Privacy Policy is provided below.
Recognition of Our Customers Expectation of Privacy.
The First National Bank of Wyoming recognizes that our customers expect privacy and security for their personal and financial affairs. The First National Bank of Wyoming maintains standards and procedures designed to protect misuse of this information.
Use, Collection and Retention of Customer Information.
The First National Bank of Wyoming does not collect identification information from users visiting this web site or using our Internet Banking System. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank better ways to service our customer's needs.
Information submitted to the bank through e-mail or through the submission of applications is used internally to process requests and respond to customer e-mail. This information is not distributed or sold to other organizations.
Maintenance of Accurate Information.
The First National Bank of Wyoming has established procedures to ensure that our customer's financial information is accurate, current, and complete in accordance with reasonable commercial standards and current industry practices. If our customers should discover an error on their account information, they should contact us immediately.
The First National Bank of Wyoming will correct the error promptly after the proper investigations have occurred.
Limiting Employee Access to Customer Information.
The First National Bank of Wyoming employees are committed to maintaining the confidentiality of our customer's information. We have security policies and procedures in place, which limit our employee's access to personal customer information except to those employees who have a business reason to such information. The First National Bank of Wyoming trains our employees on a regular basis so they recognize the importance of customer confidentiality and take appropriate disciplinary measures to enforce employee responsibilities.
Protection of Information. Established Security Procedures.
The First National Bank of Wyoming has always and continues to be committed to the security of our customer's account information. We have employed the latest in Internet Security and User Authentication to ensure that data being transmitted through the Internet Banking System is secure from unauthorized acc
PassMark Security
To protect the privacy and the security of your personal information, we are introducing a new security feature. The new security feature uses an image called a PassMark™, and a phrase which helps you to identify that you are at our Web site, not a fraudulent look-alike site. Additionally, the new security feature provides you added safety by helping us to identify you and to prevent unauthorized access to your accounts.
Your PassMark and phrase enable you to identify us over the Internet. When you enroll in our new security feature, you will select a PassMark and a phrase known only to you. Whenever you login we will show you this PassMark and phrase, so you can rest assured that you are accessing our real Web site and not an impostor site.
We can identify you by checking the computer(s) that you are using to access our Web site. Typically you will access our Web site from one or two computers, such as your work and home machines. Either way, our Web site will remember your computer, preventing potential fraudsters from logging into your account even if they acquire or guess your Login ID and password. Should you need to login from a different computer, such as an Internet café, we will take additional steps to verify your identity, through a series of Challenge Questions you set-up at the time of enrollment.
Above all, this new security feature provides a significant increase in your online banking security versus User ID and password authentication without much change in your experience.
If we recognize the computer you are using, your PassMark™ and phrase will be presented to you on the next page. Once you confirm your PassMark™ and phrase, you'll know you can safely enter your Password. If you don't recognize your PassMark™ and phrase, don't enter your Password.
We are providing an enhanced security feature that helps protect you while you access your accounts online. On the Internet today, fraudsters attempt to steal your identity by impersonating the Web sites you trust. We are committed to proactively protecting you, our customer, against such attacks. This new security feature helps us do this.
We will confirm your identity by two authentication “factors.” These factors include:
- Something You Know (your Login ID and Password)
- Something You Have (your computer)
We use your computer as the second-factor (something you have). If we cannot confirm your identity or we do not recognize your computer, we will ask you a Challenge Question to which only you know the answer. These Challenge Questions are selected and answered by you when you enroll in the new security feature.
If you answer the Challenge Questions correctly, you're identity will be confirmed and you can proceed with login. You can also let us know to recognize your computer for future login.
Restrictions on the Disclosure of Information.
The First National Bank of Wyoming does not reveal specific information about our customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for: 1) information needed to help complete a customer initiated transaction, 2) if a customer request the information to be released to a third-party, 3) if the disclosure of the information is required or allowed by law, or 4) the customer has been informed about the possibility of disclosure of their information in prior communications and the customer was given the opportunity to "opt-out" of such information sharing.
Maintaining Customer Privacy in Business Relationships with Third Parties.
If The First National Bank of Wyoming were to share our customer information with a third party, we would require the third party to adhere to the same privacy principles as The First National Bank of Wyoming and that the third party would ensure the safe keeping of customer information confidential.
Privacy as it Pertains to the Internet.
The First National Bank of Wyoming does not collect identification information from users visiting our web site or using our Internet Banking System. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer's needs.
Information submitted to the bank through email or through the submission of applications is used internally to process requests and respond to customer email. This information is not distributed or sold to other organizations.
Security Statement
The First National Bank of Wyoming employs the latest in Internet Security and User Authentication to ensure that data being transmitted through the Internet Banking System is secure from unauthorized access. The methods are outlined below.
Digital Ids from VeriSign.
The First National Bank of Wyoming's IBS system uses digital ID's certified by VeriSign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system.
How do digital IDs work?
Digital IDs work off of a matched key setup where the server has a "private" key issued only to the server and a "public" key widely distributed to the bank's customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.
Secured Data Transmission.
The Internet Banking System combined with digital ID authentication through VeriSign allow the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.
Server Access
Server access is protected using a firewall computer and the leading firewall software, CheckPoint's Firewall-1. Firewall computers provide secure access to the Web Server and CheckPoint's software by only allowing authorized traffic to hit the Server.
Disclosure of Privacy Principles to Customers.
The First National Bank of Wyoming's commitment to our customer's privacy of their personal information is always in the forefront. If you have any questions or comments about our Privacy Policy, we encourage you to e-mail or write us at The First National Bank of Wyoming, 120 West Camden-Wyoming Avenue, Camden-Wyoming, DE 19934 (Attn: Compliance Officer).
The First National Bank of Wyoming reserves the right to make changes to this policy and to related procedures at anytime.
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