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Security

Practice safe Banking

From digital banking to mobile apps, technology has changed the way we spend, shop and manage our finances today. Synergy uses leading-edge technology to ensure that your account and payment information is completely secure when you use our digital services, but practicing safe banking digital is a two-way street. You also play a key role in keeping your financial information safe and secure.


INTERNET SECURITY

The internet has simplified life in many ways, but it’s vital that you keep security top of mind in all transactions, especially when those transactions involve your financial information. If you use the internet for any financial transactions, you need to take the lead in protecting your banking data.

WHAT WE DO TO PROTECT YOU

We offer the best security available in a commercial environment and we monitor our systems around the clock to safeguard against security breaches. We use a diverse range of vigorous technologies and security mechanisms to protect you and we’re committed to continual improvement to keep you safe.

WHAT YOU CAN DO

You can take simple, proactive steps to keep your money safe and protect yourself from fraud, scams and other online security threats. From how you choose and manage passwords to the way you monitor your computer or mobile phone activity, you are the principal guardian of your financial security.

WHAT WE DO TO PROTECT YOU

We take many precautions to protect the digital banking portion of our environment to make accessing and managing your finances convenient, intuitive and secure.

Our digital banking system has industry-leading security capabilities, including robust fraud prevention, cyber security features and high-risk transaction protection to ensure that your transactions are secure while data is transmitted between your device and our banking server.

Encryption

We use 256-bit TLS encryption on our desktop website and mobile app, enabling you to easily and securely complete banking transactions on your phone, tablet or computer.

Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the 'strength' of their encryption.

If you have a browser that only supports 'weaker' encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our digital banking site. The longer and more complex the 'key' is, the stronger the encryption.

Controlled account access

You have control over your account access – only you know your sign-in credentials, username, and password. Our employees do not have this information, nor do they require it from you.

Password protections

There is a maximum number of attempts to input the password for your account. If it exceeds the number, your online access will be disabled, and you must contact a member representative to assist you.

For more information on the specific policies and practices that we use to safeguard your personal and financial information, view our Privacy section.

WHAT YOU CAN DO

Protecting your Password

Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected. While we take strong measures to protect the security and privacy of your information, there are important steps that you should take to help protect your information when using the internet.

In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the digital banking 'key' – your password - ensures that only you can access your accounts.

It is your responsibility to ensure that your 'key' to our digital banking is protected. Please observe the following security practices:

  • Select a password that is easy for you to remember but difficult for others to guess.
  • Avoid re-using passwords from other sites and services you use.
  • Avoid using personal information like phone numbers, birthdates, family names, pet names, etc.
  • Do not use the same password for other websites or apps.
  • Do not select a part of a PIN as part of your password.
  • Keep your password confidential and do not share it with anyone.
  • Do not write down your password or store it in a file on your computer.
  • Never disclose your password in a voice mail or e-mail, or over the phone.
  • Ensure that no one observes you typing your password.
  • Change your password frequently (every 90-120 days).
  • Do not use the auto-save function for usernames and passwords on your browser and device. Consider using protected password management software or another secure system for storing passwords.

Monitor your accounts

Review your statements regularly and set up transaction alerts for your account to help you identify any irregular activities.

  • Our alert messages will never contain any personal information about you or account and will never ask you to click or download anything.
  • To learn how to set up alerts, view our Set up Alerts Demo.

Protecting your computer

We have provided a secure channel for our Members to communicate with us through digital banking. Once the information has reached your computer, however, it's up to you to protect it. To protect your information, you should:

  • Never leave your computer unattended while using our digital banking services.
  • Always exit our digital banking site using the "logout" button and where applicable, close your browser if you step away from your computer. Your browser may retain information you entered in the login screen and elsewhere until you exit the browser.
  • Secure or erase files stored on your computer by your browser so others cannot read them. Most browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. These files remain there until erased. They can be erased using standard computer utilities or by using your browser feature to "empty" the cache.
  • Disable automatic password-save features in the browser and software you use to access the Internet.
  • Install and use an anti-virus program. Ensure your anti-virus software is enabled and configured to run daily updates and regular virus scans.
  • Install and use a personal firewall on your computer to ensure others cannot access your computer through the Internet.
  • Install new security patches as soon as your operating system and Internet browser manufacturers make them available.
  • Install an anti-spyware program ensure your anti-spyware is enabled and configured to run daily updates and regular spam scans.
  • Install an Internet Total Security program on your computer that will do the antivirus, firewall, anti-spyware, phishing protection and additional online protection.

Protecting your information when using a public computer

The practice of accessing your account information through publicly accessible computers and public wireless networks is strongly discouraged. The use of computers at locations such as Internet cafes, public libraries, hotel lobbies and public wireless networks such as "hotspots" to name a few examples, greatly increases the risk of possible unauthorized access to your accounts. Use of these access points are to be avoided and if it is determined to be the compromise point, this would have a negative impact on your ability to be compensated for your losses.

You should be extra vigilant when using publicly available computers. Even if you adopt the tips above to protect your information, you need to bear in mind that even benign programs, like popular desktop search programs, can pose a security risk. Certain programs cache items that you have viewed so you - or potentially, an unwelcome third party - can easily search and find those pages again later.

To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web site before accessing our digital banking site, we recommend you close your browser and restart it before proceeding to our digital banking site.

Still have questions?
Talk to us - we'd love to help.
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