Security Standards

Internet Banking Customer Awareness and Information.

Stone Bank is committed to protecting your financial information. Please review the following information regarding your rights and account security.

What is Reg E?

Federal Regulation E establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer (EFT) services and of financial institutions that offer these services. Consumer transactions that are initiated electronically are covered by these rules.

What protections are provided to consumers who use internet banking?

To protect your account, we encourage you to regularly review your statements and account activity. If you believe an unauthorized EFT or error has been made on your account, contact us immediately.

Identity Theft

Your security is of the utmost importance at Stone Bank. We believe that the best defense against online criminals is for us to keep you as informed as possible. The practical set of tips below can help you protect yourself against identity theft.

Identity theft can occur in a number of ways:

• Getting personal information off of bills or credit statements in the trash.
• Eavesdropping on personal transactions in public.
• Impersonating a bank or credit union in an email.
• Gathering information from a facsimile of a legitimate site.

Here are a few things you can do to prevent identity theft:

• Shred any documents with your social security number or credit information rather than throwing it away.
• Log off your computer when you leave it.
• Install antivirus and anti-spyware software on your computer and run it at least every two weeks.
• Be wary of emails from sources you don't know.
• Do not give personal information, such as account numbers or Social Security numbers, over the telephone, through the mail, or over the Internet unless you initiated the contact or know with whom you are dealing.
• Store personal information in a safe place and tear up or shred old credit card receipts, ATM receipts, old account statements, and unused credit card offers.
• Protect your PINs and other passwords. Avoid using easily available information like your mother's maiden name, your birthdate, the last four digits of your social security number, your phone number, etc.
• Pay attention to billing cycles and statements. Inquire of the bank if you do not receive a monthly statement or bill.
• Guard your mail from theft by promptly removing incoming mail.

While Stone Bank will periodically send information to customers via email, we will never email you and request that you send personal information through the internet, nor through any other means. Even if the email return address looks like it may be from Stone Bank, if the message requests that you confirm your email address, account number, or Social Security Number, DO NOT RESPOND. Call us immediately to report the issue.

Will Stone Bank ever call me and ask for personal information?

Stone Bank will never contact a customer asking for their banking credentials by telephone or email. Any attempt at this should be immediately declined, and information about the attempt should be passed on to Stone Bank (see contact info below).

Scenarios where Stone Bank may contact you:

1. If there is suspicious activity detected on your debit card, we will call to verify transactions or alert you of any compromise.
2. We may call to see if you would be interested in working with an employee if you have an account that might benefit from other services.

Other ways we may communicate would include a flyer in your statement mailing, a pop-up message in online banking, or an email providing some information.

Protections for commercial accounts

If you have a commercial or business account, we encourage you to perform a periodic assessment to evaluate the security and risk controls you have in place. The risk assessment should be used to determine the level of risk associated with any internet activities performed and any controls in place to mitigate these risks. Additional security recommendations include:

1. Limiting employee access
2. Restricting administrative rights
3. Establishing separate passwords

What do I do if I suspect a problem with my accounts?

If, at any time, you notice suspicious account activity or have other concerns about your account security, please contact our Deposit Operations Department at 1-870-269-7311. You can send a secure email from inside online banking by selecting the contact button in the upper right-hand corner. To send a secure message to Stone Bank, select the subject and category, type in your message, and click "Send Message".

If you wish to attach a file, compose your message first, then click "Attach File”. The message is sent securely. Account information can be used if desired.