The safety and security of your financial information is of primary importance to us.
The security of customer information is a priority. We are strongly commited to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. This page includes important tips for safeguarding your personal information and banking accounts as well as links to several resources where you can learn more about the many different types of fraud and things you can do to minimize your risk.
Community Trust Bank will never ask for, email or text you requesting your online banking password or PIN number. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or Debit Card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.
Safeguarding Your Information
- Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails.
- Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all of your programs and operating systems regularly.
- Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person.
- Monitor your account activity frequently using our free Online and Mobile Banking services.
- Sign up for free Online Banking eStatements to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.
- Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
How to Protect Your Credit & Debit Cards and Account Information
- Don't disclose your account number over the phone unless you initiate the call.
- Guard your account information. Never leave it out in the open or write it on an envelope.
- Keep a record of your account numbers, expiration dates, and the telephone numbers for each card issuer so you can report a loss quickly.
- Draw a line through blank spaces on charge or debit slips above the total so the amount can't be changed.
- Don't sign a blank charge or debit slip.
- Tear up copies and save your receipts to check against your monthly statements.
- Cut up old cards - cutting through the account nubmer - before you throw them away.
- Open your monthly statements promptly and compare them to your receipts. Report mistakes or discrepancies as soon as possible.
- Don’t carry your PIN in your wallet, purse , or pocket – or write it on your card. Commit it to memory.
- Carry only the cards you’ll need.
- Sign up for debit card alerts. Alerts are available for funds added, funds removed, signature transactions, card status change, suspected fraud, declined transactions, high risk transactions such as card not present, international, Out-of-State, and pay-at-the pump transactions. www.ctbonline.com/pages/debit-alerts
In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.
We encourage you to review our Security & Privacy link which can be found at the bottom of any page of our https://www.ctbonline.com/pages/privacy Web site. If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 888-292-4037