This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
To begin a session with the bank's server the user must key in a Log-in ID, update for multi-factor authentication and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that user.
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure.
You can report your debit card lost or stolen by calling 1-800-383-8000.
Community South is committed to honoring the requests of its current and prospective customers. In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission ("FCC"), the Bank's Board of Directors has adopted the following policy. This policy statement is being provided to our customers.
Community South maintains a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive sales calls from Community South, you can ask us to place your telephone number on our "Do Not Call" list by completing this form. You may mail the form to Marketing, 68 West Main Street, Parsons, TN 38363. Please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.
Any email communication to you confirming receipt of your "do-not-call" request will not be deemed to have violated this policy.
The Bank intends to comply with all federal and state do-not-call laws and regulations. If you have any questions or comments regarding the Bank's "Do-Not-Call" policy, you may also contact:
731-847-1646 or via email at: email@example.com
Approved by the Community South Board of Directors: January 30, 2008
The Unlawful Internet Gambling Enforcement Act (UIGEA), signed into law in 2006 (mandatory effective date of June 1, 2010, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. As defined in Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in which the bet or wager is initiated, received or otherwise made".
As a customer of Community South Bank, restricted transactions are prohibited from being processed through your account or banking relationship with us if your account is considered a commercial account. Commercial accounts are defined as any account that is not a consumer customer. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Banks are required to block unlawful Internet gambling debit and credit card transactions.
Please contact our Compliance Department at 731-847-6316 if you would like additional information on UIGEA.