Please do not respond to any email or phone call that directs you to update your personal information by dialing a telephone number. If you should ever need to contact your card company, use the telephone number on the back of your card ONLY.
Scammers use this method to get your personal information so they can use it for their benefit. Once they get it, they can use your credit/debit card information to make purchases for themselves and you get the bill.
Please be assured that your bank and/or your card company already have your information. We do not need to call you to ask you for this information. If someone would contact you saying they are from the bank and you are not sure, you can hang up and call the bank directly and ask for the person that called you.
When you log onto the web, you want to feel safe and protected. This is doubly true when you access your bank's website. You want to feel assured that your financial information is protected.
When you use online banking to access your account, you can rest easy knowing your information is safe. Our online banking service provides one or more of the following:
No one can access your account information without knowing your log in information, including a secure password that you choose yourself. DO NOT SHARE THIS WITH ANYONE. This is for your information alone, and for your own protection.
Your identity verification involves more than just a password—anyone wishing to access your account must also provide additional login information, ensuring no one can access your account with just your password. This usually involves something you know, such as your password or PIN, with something you have in your possession, such as your ATM card.
Once you are logged in, your actions are protected by secure encryption that converses your information into code so that is only readable by you and your bank.
BE SAFE WHEN BANKING ONLINE
Just as it is important we do everything we can to keep your information safe, it is equally important that you take certain precautions to make sure your data stays secure.
When you use online banking make sure you always follow these guidelines:
- Create a strong password: Make sure your password is something besides "1234," your name or birthday, or the word "password."
- Get anti-virus protection: Keep your anti-virus software up to date and make sure it scans every email you receive.
- Email is not encrypted: be aware that email is generally not encrypted. Do not send important information or private data such as account numbers or passwords via email. If you need to relay important information, take the time to call the recipient directly.
- Always log out: When you are done using online banking, don't forget to log out so that the next person at the computer won't be able to see or use your data. This is especially important at a public computer.
- Stay alert: Criminals are always coming up with new and creative ways to separate you from your private information. Stay on your toes and trust your instincts—when anything seems suspicious, that's probably because it is.
CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA)
Two Rivers Bank & Trust and its affiliates does not knowingly solicit individually identifying personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children's identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.
The Servicemembers Civil Relief Act provides protection for individuals (and their dependents) in the United States armed forces. This includes members of the U.S. Marines, Air Force, Army, Navy, and Coast Guard. Reservists and members of the National Guard (when in active federal service) are also protected under the act beginning on the first day of active duty, which means when the person ships out to basic training (basic training and job school are considered active duty for National Guard and Reserve personnel, as well as active duty personnel). The purpose of the Act is to prevent loss of residence, automobile, or similar personal property when the debtor is on active duty and living on a military pay scale.
If a servicemember's military obligation has affected his/her ability to pay on financial obligations, such as credit cards, loans, mortgages, etc., the servicemember can request to have his/her interest rate capped at 6 percent for the duration of the servicemember's military obligation, or in the case of a mortgage loan for one year after the end of the military obligation.
Qualifying debts are debts that were incurred prior to the servicemember coming on active duty. The servicemember must be on active duty at the time of the request, and the servicemember's military career must have materially affected the servicemember's ability to pay on the debt. This provision does not apply to federally guaranteed student loans.
The Bank will apply a maximum rate of 6 percent on loans made prior to the start of the individual's active military service. This interest rate limitation will apply during the individual's term of active service unless otherwise directed by a court. All interest in excess of 6 percent will be forgiven, not deferred.
In general, if a mortgage loan is originated before the period of the servicemember's military service and for which the servicemember is still obligated, and is secured by a mortgage, trust deed, or other security in the nature of a mortgage, the Bank may have limited rights in foreclosure court. During the servicemember's military service or within 9 months after their service has been completed the court may:
- Stay the proceedings for a period of time as justice and equity require, or
- Adjust the obligation to preserve the interests of all parties
For further assistance to servicemembers or their dependents, please call the toll-free military one source number (1-800-342-9647) and or go to the website of http://legalassistance.law.af.mil/content/locator.php.