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Consumers

Howard Bank Contacting You

Howard Bank will NOT, under any circumstances, contact you and ask for passwords, pin numbers, or any electronic banking credentials.

Secure Communications

Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. How can you tell if your browser is secure? Please reference the table below.

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a ‘firewall.’ A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks’ internal networks and databases.

Secure Login

User IDs and passwords are isolated from the Internet by being stored on Howard Bank’s computer network. This way, the passwords and IDs can not be accessed or downloaded by anyone on the Internet. The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the ‘hacker’ from gaining access to our system.

Supported Browser List (as of 5-1-2014)

Your browser is an important part of the overall security measures designed to protect your Internet banking transactions. Please consult the information below to make sure you are using supported browser/system requirements.

  • Screen Resolution set to 800 X 600 or higher
  • Cookies enabled. (First and 3rd Party) for specific domain bankbyweb.net
  • JavaScript enabled.
  • Active X enabled.

Please click on any of the following links to download the latest version of supported browsers. Prior to download please review each browser's system requirements.

Minimum Operating System / Browser Requirements
with the most recent browser download links.
Encryption Access
Windows Vista, 7 (32 bit only) or Bettter
Opera 11-
Firefox 6-
Google Chrome 13-
128 bit
Yes
Macintosh OSX
Opera 11-
Firefox 6-
128 bit
Yes

Your Password

You will be responsible for maintaining one of the most important security measures: your password. Please be sure to keep your password a secret. We recommend you memorize your password. It is not recommended you write it down or carry your password in your purse, wallet computer bag. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. Below are some suggestions on Password Dos and Don'ts:

Password DOs

  • Change passwords regularly and whenever they may have become compromised
  • Use the first (or last) letter of each word in an easily remembered phrase. For added security, substitute symbols for letters. For example using the phrase "If money doesn't grow on trees then why do banks have branches?" would be IMDGOTTWDBHB? or 1md9077wD6Hb?

Password DON'Ts

  • Don't give your passwords to ANYONE for ANY reason
  • Don't write your passwords down;
    • Anywhere near your PC
    • In your purse, wallet or computer bag
    • In user manuals
    • Electronically in word documents
    • Sent in e-mails
  • Don't use personal information such as; your name, your friends name, pets, address, social security number, phone number, license plate number, important dates such as birthdays and anniversaries
  • Don't use words that can be found in any language's dictionary. Or these words spelled backwards or with numbers or symbols added to the beginning or end
  • Do not use the same password for multiple sign-ins when possible
  • Do not use easy to spot passwords such as "qwerty", "123456", or "aaaAAA"

Identity Theft

Identity theft is a growing problem and consumers need to take measures to protect themselves at all times.  Awareness is one of the best deterrents against fraud. Criminals can steal your identity in many ways, and are inventing new avenues every day. Howard Bank takes real interest and responsibility in protecting our customers against fraud, and while we have many checks in place to detect deceitful activity, we both can only benefit from customers who are educated on the risks.

For more information on how to protect yourself against identity theft, please click here.

Your Protection Under “Reg E”

Howard Bank follows specific rules for electronic transactions issued by the Federal Reserve Board.  Known as Regulation E, the rules cover all kinds of situations revolving around transfers made electronically.  Under the consumer protections provided under Reg E, you can recover internet banking losses according to how soon you detect and report them.

For a copy of Howard Banks most recent “Regulation E” documents, please visit a conveniently located branch or call 410-750-0020.

Protect Yourself

  • Use a dedicated computer for financial transactional activity. DO NOT use that computer for general web browsing and email.
  • Never open attachments or click on links from unsolicited emails.
  • Apply operation system and application updates (patches) regularly.
  • Use the latest versions of Internet browsers, such as Internet Explorer, Firefox or Google Chrome with "pop-up" blockers and ensure that updates (patches) are most recent versions.
  • Use and maintain updated spam filters and anti-virus software.
  • Have host-based firewall software installed on computers.
  • Turn off your computer when not in use.
  • Review your banking transactions daily.

Potential Signs Your Computer System May Be Compromised

  • Inability to log into online banking.
  • Dramatic loss of computer speed.
  • Changes in the way things appear on the screen.
  • Computer locks up so the user is unable to perform any functions.
  • Unexpected rebooting or restarting of the computer.
  • Unexpected request for a one time password in the middle of an online session.
  • Unusual pop-up messages, especially a message in the middle of a session that says the connection to the bank system is not working.
  • New or unexpected toolbars and/or icons.
  • Inability to shut down or restart the computer.

If You Have Suspicions

If you notice suspicious activity within your account or experience security-related events, please contact your branch or call 410-750-0020, immediately.

 

Businesses

Howard Bank Contacting You

Howard Bank will NOT, under any circumstances, contact you and ask for passwords, pin numbers, or any electronic banking credentials.

Secure Communications

Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. How can you tell if your browser is secure? Please reference the table below.

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a ‘firewall.’ A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks’ internal networks and databases.

Secure Login

User IDs and passwords are isolated from the Internet by being stored on Howard Bank’s computer network. This way, the passwords and IDs can not be accessed or downloaded by anyone on the Internet. The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the ‘hacker’ from gaining access to our system.

Supported Browser List (as of 5-1-2014)

Your browser is an important part of the overall security measures designed to protect your Internet banking transactions. Please consult the information below to make sure you are using supported browser/system requirements.

  • Screen Resolution set to 800 X 600 or higher
  • Cookies enabled. (First and 3rd Party)
  • JavaScript enabled.
  • Active X enabled.

Please click on any of the following links to download the latest version of supported browsers. Prior to download please review each browser’s system requirements.

Premier eCorp:
Minimum Operating System / Browser Requirements
with the most recent browser download links.
Encryption Access

Windows Vista, 7 (32 bit only) or Better
Firefox 6-
Google Chrome 13-

128 bit
Yes

Macintosh OSX
Safari 5.0+
Firefox 6-

128 bit
Yes

Premier ACH in eCorp:
Minimum Operating System / Browser Requirements
with the most recent browser download links.
Encryption Access

Windows Vista, 7 (32 bit only) or Better

.NET Framework required
(1.1 and 2.0 only)

128 bit
Yes
Macintosh OSX
N/A
No
Enable Compatibility View for specific websites with use of Internet Explorer8 and Internet Explorer9 >
this is available in the Tools section of your browser.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. Please be sure to keep your password a secret. We recommend you memorize your password. It is not recommended you write it down or carry your password in your purse, wallet, or computer bag. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security Below are some suggestions on Password Dos and Don'ts:

Password DOs

  • Change passwords regularly and whenever they may have become compromised
  • Use the first (or last) letter of each word in an easily remembered phrase. For added security, substitute symbols for letters. For example using the phrase "If money doesn't grow on trees then why do banks have branches?" would be IMDGOTTWDBHB? or 1md9077wD6Hb?

Password DON'Ts

  • Don't give your passwords to ANYONE for ANY reason
  • Don't write your passwords down;
    • Anywhere near your PC
    • In your purse, wallet or computer bag
    • In user manuals
    • Electronically in word documents
    • Sent in e-mails
  • Don't use personal information such as; your name, your friends name, pets, address, social security number, phone number, license plate number, important dates such as birthdays and anniversaries
  • Don't use words that can be found in any language's dictionary. Or these words spelled backwards or with numbers or symbols added to the beginning or end
  • Do not use the same password for multiple sign-ins when possible
  • Do not use easy to spot passwords such as "qwerty", "123456", or "aaaAAA"

Identity Theft

Identity theft is a growing problem and consumers need to take measures to protect themselves at all times.  Awareness is one of the best deterrents against fraud. Criminals can steal your identity in many ways, and are inventing new avenues every day. Howard Bank takes real interest and responsibility in protecting our customers against fraud, and while we have many checks in place to detect deceitful activity, we both can only benefit from customers who are educated on the risks.

For more information on how to protect yourself against identity theft, please click here.

Business Account Takeover

Business Account Takeover is the business equivalent of personal identity theft. Businesses not only need to protect themselves from identity theft but also ensure they have protections in place so that they do not have a business account takeover.

Hackers, backed by professional criminal organizations are targeting small and medium businesses to obtain access to their web banking credentials or remote control of their computers. These hackers will then drain the deposit and credit lines of the compromised bank accounts, funneling the funds through mules that quickly redirect the monies overseas into other accounts.

For more information on how to protect yourself against business account takeover, please click here.

Controls Evaluation

Howard Bank recommends that an online banking assessment and control evaluation be completed periodically by all of our business customers who use online banking.

Protect Yourself

  • Use a dedicated computer for financial transactional activity. DO NOT use that computer for general web browsing and email.
  • Never open attachments or click on links from unsolicited emails.
  • Apply operation system and application updates (patches) regularly.
  • Use the latest versions of Internet browsers, such as Internet Explorer, Firefox or Google Chrome with "pop-up" blockers and ensure that updates (patches) are most recent versions.
  • Use and maintain updated spam filters and anti-virus software.
  • Have host-based firewall software installed on computers.
  • Turn off your computer when not in use.
  • Review your banking transactions daily.

Potential Signs Your Computer System May Be Compromised

  • Inability to log into online banking.
  • Dramatic loss of computer speed.
  • Changes in the way things appear on the screen.
  • Computer locks up so the user is unable to perform any functions.
  • Unexpected rebooting or restarting of the computer.
  • Unexpected request for a one time password (or token) in the middle of an online session.
  • Unusual pop-up messages, especially a message in the middle of a session that says the connection to the bank system is not working.
  • New or unexpected toolbars and/or icons.
  • Inability to shut down or restart the computer.

If You Have Suspicions

If you notice suspicious activity within your account or experience security-related events, please contact your branch or call 410-750-0020.

 

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