CreditSmarts realizes that product and service design requires a strong commitment to the proper management of the risks associated with electronic commerce.

Customer System Requirements

To use setup applications, or other secure forms on our site, you will need Microsoft Internet Explorer 6.0 or higher or Netscape Communicator or Navigator 4.06 or higher with 128-bit encryption. Some pages of our site, including our electronic statements, require the use of Adobe® Acrobat® reader. This is free software that you can download from Adobe's website.

User ID/Password

No one can access your CreditSmarts account(s) without your User ID and Password. CreditSmarts generates your User ID at the time of account setup and communicates this information to you with your initial welcome materials.

You may change your Password as often as you like after successfully logging in to our online banking system. This option is located under the User Options menu. If you enter your Password incorrectly three times, our system will lock out access. Only authorized CreditSmarts personnel can unlock the account based on positive identification of you when you make such a request. This policy is intended to protect you from hackers or other unauthorized individuals attempting to access your account(s) at CreditSmarts.

Secure Environment

CreditSmarts's computer system does not connect directly to the Internet. Any and all requests for data must pass through two distinct validation and control centers also known as Firewalls. Secure Socket Layering (SSL) protects all data transmissions between your PC and CreditSmarts's computer system. SSL utilizes authentication and encryption technology developed by RSA Data Security, Inc. This method of cryptography means that your private information cannot be deciphered by unauthorized individuals.

In addition, the CreditSmarts system has been subjected to stringent security reviews and penetration tests by an independent firm.