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