FAQs

Security

We understand the sensitive nature of your financial records, and that’s why we think it’s important that you are confident in our security standards.  We have several measures in place that work together to create a safe environment for your financial information.  To help explain how our account access is secure, let’s look at how it works.

The first step in preserving your identity is to take an active role in securing your personal information.  It is recommended to access your account on a personal computer where no one else may have access to it without your permission.  Your password should not be selected from obvious clues like the names of your children or pets.  We also discourage you from saving passwords in your computer when the option is offered.

Online Banking is a very secure way to handle your online transactions.  We only require that your web browser have encryption capability, which most browsers already have.  This will scramble your login information and prevent anyone from “eavesdropping” on your data as it travels between you and Citizens Bank of Effingham’s Online Banking Site. This type of software security protection is referred to as Secure Sockets Layer or SSL.