Online Banking Safety & Security at Oconee State Bank

Safety and Security


Windows XP End-of-Support Information for Online Banking Customers

After April 8, 2014, Microsoft will no longer offer technical assistance or provide security updates for Windows XP. Given that the operating system security updates will not be provided by Microsoft after this date, it is expected that Windows XP computers will be targets for criminals seeking to compromise personal and account information.

Because of this, we recommend that you do not use a Windows XP computer for Online Banking after this date, and recommend taking steps to upgrade to a newer operating system. Many computers running XP are older and do not have the resources to support Windows 7 or Windows 8, so a new computer may be required.

Click here for Microsoft's Windows XP End of Support Announcement. For additional lifecycle dates for other Windows operating systems click here.

Not Sure What Windows Version You Have? - If you are not sure what version of Windows you are running click here for Microsoft's instructions.




Below are additional measures we advise all online banking users to consider when utilizing our systems. In order to help ensure the security of your online banking transactions, we want to inform you of the following:
  • Oconee State Bank will never email, call or otherwise ask you for your user name, password or other electronic banking credentials

  • You can help protect yourself by implementing alternative risk control processes as outlined below:

    • Create a strong user name and password that, at a minimum, combines lower case, upper case, numbers, and special characters.

    • Periodically change your password. (e.g., at least every 90 days)

    • Safeguard your user name and password. Do not share your online banking credentials.

    • Making sure you have a firewall in place when conducting your financial transactions.

    • Completely log off each online banking session by clicking “Exit”. Do not just close the browser page or click on the “X” to exit a session.

    • Monitor your account activity on a regular basis.

In addition to the safeguards above, we recommend that commercial accountholders periodically perform their own risk assessments and controls evaluations. For example:
  • List any risks associated with online transactions that your business may face, including:

    • User names and passwords that have been written or stored and not safeguarded

    • The use of old or inadequate passwords

    • The possibility of internal fraud or theft

    • Delays in terminating the rights of former employees

    • The lack of dual control or other checks and balances over individual access to online transaction capabilities

  • List and evaluate any controls your business has implemented, including:

    • Using password protected software to store passwords

    • Conducting employee background checks

    • Initiating a policy and process to terminate access for former employees

    • Segregating duties among two or more people so no one person has too much access or control

    • Conducting internal or third party audits of controls

    • Using firewalls to protect from outside intrusion or hackers

Consumer Protection

Federal Regulation E provides consumers with some protections for electronic fund transfers. 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 online banking credentials have been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. For more information on this protection, see the Electronic Fund Transfers disclosure that was provided to you at account opening or access it by clicking here.

Tips to keep yourself safe while online

  • Do not open email from unknown sources. Be suspicious of emails claiming to be from a financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious emails could expose your system to malicious code that could hijack your computer.

  • If an email claiming to be from your financial institution seems suspicious, checking with your financial institution may be appropriate.

  • Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.

  • Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.

  • Ensure computers are patched regularly, particularly operating systems and key applications.

  • Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.

  • Check your settings and select, at minimum, a medium level of security for your browser.

  • Clear the browser cache before starting any online banking session to eliminate copies of web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser's preferences menu.


If at any time you notice suspicious account activity, or would like additional information on online banking safeguards, contact us immediately at 706.769.6611 or email us.

Contacts and Other Information

Report Suspected Fraud or Identity Theft – 706.769.6611 or email us.

Report a Lost/Stolen Check Card or ATM Card
Report a Lost/Stolen Credit Card

Credit Reporting Agencies
Equifax: 800-685-1111; www.equifax.com
Experian: 888-EXPERIAN (888-397-3742); www.experian.com
TransUnion: 800-916-8800; www.transunion.com
Other Contacts
Social Security Administration – 1-800-269-0271; www.ssa.gov
Federal Trade Commission
Other Information
Identity Theft Brochure – Federal Trade Commission
ATM and Debit Card Safety
Identity Theft, Fraud & You

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