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Online Banking

What is Summit Online?

Summit Online is a convenient way to access your accounts without going to the Bank. Summit Online is available to you from your home or office – 24 hours a day, 7 days a week just by using your personal computer.

What can I do with Summit Online?

You can access your checking, savings, certificates of deposit, and loans to verify balances, transfer money between accounts and reconcile your accounts.

How do the balances that are shown online compare to the bank computer balances?

Summit Bank uses “Real Time Access” for your balance information. This means that the balance you see at home is exactly what the balance shows at the bank. If you make a deposit or cash a check or even use your Debit card, you will be able to see that transaction online immediately.

How much does Summit Online cost?

Summit Online is free for Summit Bank customers.

Is Summit Online private and secure?

Yes it is. Summit Bank has incorporated state-of-the-art security into its Summit Online to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.

What is Data Encryption?

128-bit electronic data encryption provides privacy for the data flowing between your computer and Summit Bank’s online server.

What Is A Firewall?

Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of Summit Bank. We use several layers of technology to ensure that your online transactions are secure and tamper-proof.

What can I do to protect myself?

Your Logon ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts.
Other security tips:
Keep your web browser software up-to-date to take advantage of the latest security enhancements.
Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.
Please be careful where you choose to log in to Summit Bank Online and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.
If you get an unexpected web page asking you for your credit card, password or account information, DO NOT disclose this information.
DO NOT share diskettes that contain confidential information even if you think you have erased the information.
It is a good idea to shred printouts of your account information before discarding them.

What equipment do I need?

To access Summit Online, you need to have Internet access and a browser with a version of Windows 7.0 or higher.

Online Security

Is Summit Online private and secure?

Yes it is. Summit Bank has incorporated state-of-the-art security into its Summit Online to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.

What Is Data Encryption?

128-bit electronic data encryption provides privacy for the data flowing between your computer and Summit Bank’s online server.

What Is A Firewall?

Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of Summit Bank. We use several layers of technology to ensure that your online transactions are secure and tamper-proof.

What man I do to protect myself?

Your Logon ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts.
Other security tips:
Keep your web browser software up-to-date to take advantage of the latest security enhancements.
Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.
Please be careful where you choose to log in to Summit Bank Online and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.
If you get an unexpected web page asking you for your credit card, password or account information, DO NOT disclose this information.
DO NOT share diskettes that contain confidential information even if you think you have erased the information.
It is a good idea to shred printouts of your account information before discarding them.

Identity Theft

Who do I call to report suspected Identity Theft?

If you believe you have been a vicitim of Identity Theft or Fraud call us and your credit card companies IMMEDIATELY.

You can report it to the FTC’s Identitiy Theft Hotline at www.consumer.gov/idtheft or call 1-877-IDTHEFT (438-4338) toll free.

You also have a right to place a fraud alert on your credit file, for 90 days. The law also allows you to put an extended fraud alert on your credit file under certain circumstances.

How do I place a Fraud Alert on my credit records?

Contact any Credit Bureau listed below:

Experian: 1-888-397-3742
www.experian.com/consumer

Equifax: 1-800-525-6285
www.equifax.com

Transunion: 1-800-680-7289
www.transunion.com

For additional information, please contact:

Federal Trade Commission (FTC):
1-877-IDTHEFT (438-4338)
www.consumer.gov/idtheft

Social Security Administration’s Fraud Hotline:
1-800-269-0271
www.ssa.gov/org

Enhanced security features

To ensure that your information is secure and to protect you from fraud and identity theft…here

OnguardOnline.gov

Visit the website, www.onguardonline.gov, for information from the Federal Government and Technology Companies on protecting yourself from Internet Theft.

  • Federal Trade Commission
  • Homeland Security
  • US Postal Service Inspection Services
  • Department of Commerce
  • Securities and Exchange Commission

Identity Theft defined

Learn about identity theft and how to protect yourself…here

Reporting Identity Theft or Fraud

Useful information on who to contact if you have been a victim of Identity Theft or Fraud…here

Credit and debit card fraud

“There has been an increase in attempts by unknown fraudsters to break the card verification value / card verification code (CVV / CVC) on compromised cards, and thereby to commit card fraud, including ATM fraud. This attempt to commit fraud is commonly known as a ‘brute force attack’.

To execute these crimes, email is often used to transport phishing scams and malicious software (malware) to obtain personal information including personal identification numbers (PINs) and to take over legitimate merchant accounts to test the compromised cards.

You can help to reduce the likelihood of this type of fraudulent activity succeeding by being alert for email that (1) contains unfamiliar or suspicious links or attachments, (2) is unsolicited and/or from an unknown sender, (3) is sent multiple times from different senders, or (4) contains poor grammar or incorrectly spelled words. If you receive an email that contains any of these elements or any combination of these elements, you should delete it immediately. Do not open it, click on the links or open any attachment. You should not attempt to reply to the email or forward it to anyone.”

Lost or Stolen Debit Card

What do I do when I discover my card is missing?

Immediately call 800-472-3272 to cancel your card. You can also contact the bank directly 9am to 5pm Monday through Friday. Please do not leave a message after hours, call the 800 number above.

Lost or Stolen Business Visa

What do I do when I discover my card is missing?

Immediately call 800-423-7503 to cancel your card. You can also contact the bank directly 9am to 5pm Monday through Friday. Please do not leave a message after hours, call the 800 number above.

Mobile Banking

I have heard that Mobile Banking is not secure. How secure is Summit Bank’s mobile banking product?

Security for Mobile Banking is centered on the following: Mobile Banking utilizes authentication mechanisms on mobile devices. Mobile Banking leverages security technologies on the mobile access channels. Mobile Banking uses 128 bit SSL Encryption. The Mobile Banking platform allows for integration with host system security infrastructure and provides additional security configuration options.

Is there software I can install on my phone to make it even more secure?

There are many options available. Start with your phone provider. They can better assist with your mobile security management.

Once I have installed the security software how do I update it?

Once the software is installed you will be notified when an update is available. Generally instructions are attached to the update.

Fraud and Scams

Phishing

Phishing is a type of Social Engineering used by identity thieves who send emails as bait to trick individuals into giving personal information such as bank account information, or social security numbers. These emails typically claim to be from a legitimate institution. These emails usually contain links to “spoofed” websites, disguised as the legitimate institution’s website with the sole purpose of tricking you into divulging your personal and/or financial information so the thieves can commit fraud or identity theft.

Vishing and Smishing

Vishing and smishing are phone scams similar to “phishing”. Vishing is a telephone call claiming to be from a legitimate company requesting your personal information to resolve an urgent financial matter. Unfortunately the telephone call is phony and you are providing information to a fraudster. Smishing is accomplished through text messages on a cell phone by asking you to call a particular number or click on a link that contains malicious code that could potentially steal information stored in your cell phone without your knowledge.

Here are a few ways to protect yourself against smishing or vishing:

  • Be wary of incoming calls. If you receive an incoming call and a person or automated system requests personal information, hang up. Caller ID creates a false sense of security, so don’t trust it. Before you give out any information to someone claiming to be from your bank or a company you do business with, call that company directly to verify there is a need for that information. Locate the phone number through the company’s website or on your bank card, not by Googling.
  • Don’t call a number left in a voicemail or text message. Remember your bank is not going to send you a text message prompting you to call them. Before calling a number in a text message or voicemail, verify the number using the strategies above.
  • Download apps only through official channels. Go to the iTunes or Google Play store to download your bank’s official app. “Phishers” will send you a text message with a link to an app on a third-party server. It’s not as easy to install it, but once you do that, it’s completely seamless. They can make it look completely like the bank’s app.
  • Don’t click links from unverified senders. Shortened links on a mobile device can be hard to verify and may link to malicious content. Without being able to see a full address, it’s difficult to tell if the website or sender is legitimate. You also can’t hover over a link like you can from your computer and get a preview of a linked word or graphic.
  • Report suspected spam. Document as much information as you can, including what was said, the phone number of the caller and the information the person or system requested so you can report it to your bank as soon as possible. With most major U.S. carriers, you can forward suspicious text messages to 7726 (spam spelled out on your keypad), a spam-reporting system operated by an association of mobile operators.