Your transactions are safe. South Georgia Bank works with leading-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:
Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption - the strongest encryption available. 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?
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. You can feel secure knowing that our firewall protects your personal information from unauthorized access.
User IDs and passwords are isolated from the Internet by being stored on South Georgia Bank's computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from six to twelve characters, with a least 1 upper/lower case alpha and 1 numeric character required; which means the chance of randomly guessing a password is less than one in one billion! 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, thus protecting your accounts.
You will be responsible for maintaining one of the most important security measures: your password. When you receive your SGB Internet Banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. 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.
Internet Banking Customers
Awareness and Education Program
In response to the FFEIC Supplement to Authentication in an Internet Banking Environment, South Georgia Bank has developed this Customer Awareness and Education Program to ensure our online banking customers are aware of the risks inherent in internet banking systems and the security measures in place to mitigate these risks within the systems our bank offers.
A variety of methods should be used to ensure that all online banking customers of South Georgia Bank are kept informed of the risks and security measures related to the electronic banking products South Georgia Bank offers.
Conducting Your Transactions Online
In order to help ensure the security of your online transactions, we want you to know that:
Electronic Funds Transfers under Federal Regulation E
Banks follow specific rules for electronic transactions issued by the Federal Reserve Board. Federal regulations provide consumers with some protections for electronic fund transfer. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer’s liability for unauthorized electronic fund transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections or ask us and we will gladly provide you with a copy.
Of course, understanding the risk and knowing how fraudsters might trick you is a critical step in protecting yourself online. You can make your computer safer by installing and updating regularly your
If you become aware of suspicious account activity, you should immediately contact the authorities and contact us at the number below:
South Georgia Bank
401 S. Veterans Blvd
Glennville, Georgia 30427
You can also learn m ore about online safety and security at these websites: