Bay-Hermann-Berger Bank Online Banking Security Practices

The Bay-Hermann-Berger Bank Online Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, the 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, router, and firewall to regulate the inflow and the outflow of all server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the bank’s server the user must key in a Log-in ID and a password. Our system, the Online Banking System, uses a “3 strikes and you’re out” lock-out mechanism to deter unauthorized users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to verify the user’s identity before re-entry into the system.

Secure Data Transfer
Data traveling between the user and the server is encrypted with 128 bit Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and the 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.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, works in conjunction with the firewall, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then only allows the traffic necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Bay-Hermann-Berger Bank
Is committed to the Security
Of your Online Banking experience!