Security Statement

This Online Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customers. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to regulate the inflow and outflow of server traffic.

To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Online Banking System, uses a "3 strikes and you're out" lock out mechanism to deter users from repeated login attempts. 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 have the account reset before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, 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 by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's 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 session. 

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, another piece of hardware, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

We advise you to exercise caution when sending us e-mail through the Internet; as such transmissions may not be secure. If you want to insure the confidentiality of your correspondence, login to the site and use the secure email interface. This will ensure that the transmission is encrypted and will only be viewed by the appropriate Bank personnel.

At Independent National Bank, Internet access and security is a primary concern. We want to make sure that you have all the information that you need to protect yourself when you access the Bank’s site online.  Using the above technologies, your Internet banking transactions are secure and confidential.