IMPORTANT REMINDER: Checks deposited are YOUR responsibility! If the check you deposit is returned “unpaid” for any reason, the amount of the check will be deducted from your account balance, even if we have made the funds available to you.

When you are on a secure page, communication between your computer's browser and our web server is protected by Secure Socket Layer (SSL) technology.  SSL provides data encryption, server authentication, and message integrity for an Internet connection. Only our servers have the code that can read the secure messages transmitted on our site. The Secure Socket Layer (SSL) protocol uses an advanced combination of public-key and symmetric-key encryption. Symmetric-key encryption is much faster than public-key encryption; however, public-key encryption provides better authentication techniques. An SSL session always begins with an exchange of messages called the SSL handshake. The handshake allows the server to authenticate itself to the client by using public-key techniques, and then allows the client and the server to cooperate in the creation of symmetric keys used for rapid encryption, decryption, and tamper detection during the session that follows.

There are two ways you can verify that your browser has accessed a secure web page:

•  A "closed padlock" icon is displayed, typically located in the lower right hand corner 
   of your browser window, indicating that the page you are viewing is secure.
•  The web address in your URL window will begin with "https://".  The "s" indicates 
    that the page is secure and that the page lives on a secure server.

Union Bank's NetTeller online banking security is addressed at three levels:

• Information sent to and from the customer's PC and the online banking server
• The secure storage of customer records
• The prevention of unauthorized users from compromising the NetTeller site

Union Bank's customer information database is housed on a secure server and protected by sophisticated, multiple-spoofing, multiple firewall technology. Just as authenticated requests are the only electronic messages capable of communicating with the NetTeller server, the NetTeller server is the only device capable of sending recognized requests to Union Bank's customer database.

An online security analyzer constantly monitors system login attempts and recognizes failures that could be indicating any unauthorized attempts to log into an account.   If such attempts occur, immediate steps are employed to prevent the account from being accessed.

You can help by being highly aware and alerted to online scams, telephone and mail fraud.  There are many recorded crimes where off shore parties try to engage individuals, typically luring them with the promise of large amounts of money, BUT THE VICTIM IS REQUESTED TO SEND THEIR MONEY FIRST.  On the internet, this fraud is referred to as "phishing."   The criminals "phish" for the personal information of the victim in the hopes of procuring funds, identity theft and more.  YOU CAN STOP PHISHING ATTACKS.  Criminals use sometimes sophisticated official-looking websites and emails to attract and trick victims into revealing personal financial information.  Emails and web links appear to come from established financial institutions, known brand retailers and other well known corporations.  Here's something important to remember:  Union Bank, or any other financial institution would never request sensitive financial or personal information via email.  Our customers, and the public in general must be vigilant.  Any email with "urgent requests" to "verify account information" should be viewed with the highest suspicion.  You know the companies you deal with.  If one of these messages comes through in their name, call them to verify.   If it is a fraud in progress, report it promptly.  Call your nearest Union Bank office or call our toll free number: 1-866-862-1891

There is much more detailed information about online security.  These links are from U.S. Government sources and are highly recommended:

US Gov't Federal Reserve Bank: Identity Theft
US Gov't Computer Emergency Readiness Team: Protecting your Privacy
US Gov't Computer Emergency Readiness Team:  Avoiding Social Engineering and PHISHING Attacks
US Gov't Computer Emergency Readiness Team: Recognizing and Avoiding SPYWARE
US Gov't Computer Emergency Readiness Team: Understanding AntiVirus Software 
US Gov't Computer Emergency Readiness Team: Reducing SPAM

Union Bank strives to maintain the most technically advanced security measures available. If you have any questions, please call us at (802) 888-6600, email us or write to us at P.O. Box 667, Morrisville VT 05661. 

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