Security Tool Box

Your Privacy Matters to Us

The Internet has revolutionized the way we do business. It allows us to provide a host of banking and financial services that you can access from the convenience of your home or office. At the same time, it also brings legitimate concerns about privacy and security.

At Decatur State Bank safeguarding your confidentiality and protecting your personal and financial information is fundamental to the way we do business. In fact, it is one of our highest priorities. We are dedicated to meeting or exceeding the privacy standards established by federal and state regulations and industry bodies.

Protecting Yourself

Protecting your financial information and ensuring the security of your transactions online are among our highest priorities. We believe that working together is the best way to safeguard against financial fraud.

Informed clients are the best defense against fraud. By sharing security tips and information with you, we can help protect you from financial crime.

Tips for protecting your Identity

  • Keep your personal information safe. An identity thief will pick through your garbage or recycling bins, so be sure to shred receipts, copies of credit applications, insurance forms, credit offers received in the mail, etc.
  • Keep personal information confidential. Do not give out personal information on the phone, through e-mail or over the Internet unless you have initiated the contact independently and know the person you're dealing with.
  • Be aware of billing and statement cycles. If your bills or statements don't arrive on time, follow up immediately to ensure they have not fraudulently been redirected.
  • Protect your mail. Get into the habit of clearing your mailbox after every delivery. Make sure that your mail is forwarded or re-routed if you move or change your mailing address.
  • Protect your PIN. Do not reveal your PIN to anyone, including employees of Decatur State Bank, family members and friends. When conducting a transaction at an ATM or retail (point-of-sale) location, keep your card within your sight and shield the keypad while you enter your PIN.
  • Unusual transactions. Never conduct financial transactions on behalf of strangers.
  • Review your transactions. Regularly review your bank and credit card statements to ensure that all transactions are authorized and any missing transactions are reported. Review your credit report once per year.
  • Limit your exposure. Only carry cards in your wallet that you need. It's a good idea to leave your birth certificate and social security card at home in a safe place.
  • Contact the authorities. If you suspect you are a victim of fraud or theft, contact the authorities immediately.

Tips for Safe Computer Use

  • Protect your personal information. Be aware of current online ploys that try to get you to provide personal and/or financial information. Do not respond to unsolicited e-mails or voice mail that asks for confidential information.
  • Keep your computer healthy. It is very important to check the Web sites of your operating system and Web browser vendors for software "patches" and updates in order to protect against software vulnerabilities.
  • Safeguard your PINs and passwords. Never share your passwords and use ones that are difficult to guess, preferably ones that include a mix of letters and numbers. Change your passwords frequently.
  • Use antivirus software. Antivirus software can protect you from potentially damaging viruses that can enter your computer without your knowledge. You should always use up-to-date antivirus software and one that is capable of scanning files and e-mail messages for viruses.
  • Use personal firewalls. Firewalls create a barrier between your computer and the rest of the Internet. It can help to protect against malicious attacks and block certain types of data from entering your computer.
  • Use anti-spyware. Anti-spyware will help protect your computer against unwanted software from being installed on your computer without your knowledge. Anti-spyware also helps protect your computer against pop-up advertising and slow performance.
  • Use anti-spam software. Spam is a growing source of computer viruses. Use up-to-date anti-spam software along with your antivirus software. If you receive spam, remember this: don't try, don't buy and don't reply. Just delete it.
  • Use strong encryption. The stronger the encryption your web browser uses, the more difficult it is for unauthorized individuals to intercept your online activities.
  • Disconnect from the Internet when it's not in use. Disconnecting from the Internet when you are not actively online lessens the chance that someone can access your computer.
  • Remember to log off. Ensure that you always properly log off and close your browser. This will prevent others from being able to view this information later.

Protecting Your Computer

We know you are as concerned about the protection of personal and financial information as we are. Even though we use rigorous security and technological safeguards to ensure the security of your financial transactions and the confidentiality of your information, there are several important steps you can take to help keep your computer secure.

  • Passwords
  • Firewall
  • Anti-Virus
  • Spyware
  • Log off


When you login to our secure website, you need a password to gain access to your accounts. If someone else knows or guesses your password, they can access the same your account. That's why it's crucial for you to choose unique passwords, carefully safeguard your passwords and update your passwords from time-to-time.

What to Do

  • Always choose unique passwords that include a combination of letters, numbers and special characters.
  • Disable the auto complete function of your login IDs or passwords to prevent others using your computer from having instant access.
  • Change your password frequently.

What to Avoid

  • Don't choose obvious passwords such as family or pet names, birthdays, street names and telephone numbers that might be easy for others to figure out or can be found in your purse or wallet.
  • Avoid using passwords that are real words.
  • Don't use the same password for all your internet applications.


Any computer or device connected to the Internet that is not properly protected is vulnerable to a variety of malicious Internet intrusions and attacks.

What is a firewall?

  • A firewall can be a hardware device, a software application or a combination of the two. Firewalls are designed to create a secure barrier between your computer and the rest of the Internet.

How does a firewall protect my computer?

  • Firewalls can prevent malicious attacks and block certain types of data from entering your computer or private network. They can also be set up to alert you if anyone tries to access your system.

Why would I need a firewall?

  • Cable modem and DSL users are particularly vulnerable to Internet intrusions and attacks because both connection methods provide "always-on" connection capability. The likelihood of a malicious individual entering your computer increases significantly the longer your computer is on and connected to the Internet.

Where can I get a firewall?

  • Your Internet Service Provider (ISP) may offer a firewall, or you may purchase firewall hardware or software from a reputable computer store.

Anti-Virus Software

Viruses and worms, malicious programs that are transmitted over the Internet or replicate over a computer network, can spread quickly and wreak havoc on personal computers and corporate networks. To protect your computer and network, you should always use up-to-date antivirus software capable of scanning files and e-mail messages for viruses.

Where do I get anti-virus software and how can I keep it up to date?

  • A variety of anti-virus software packages are available on the market today. Many of these products install anti-virus updates to your computer automatically, as long as you have the update feature enabled.

Spyware and Unwanted Software

Spyware and unwanted software are programs installed on a user's computer without their knowledge to secretly gather information about the user. Once your computer is infected with spyware, third parties can monitor your web surfing habits and steal your personal information. As a result, spyware is a serious threat to your computer's security.

How Do You Get Spyware & Unwanted Software?

  • Spyware is often bundled as a hidden component of files and applications you download from the Internet, but even if you aren't a frequent downloader your computer can become infected with spyware by simply visiting a website. Users can be tricked into downloading unwanted software by clicking a button such as "I Agree" or "Cancel" within a pop-up window.

Symptoms of Spyware Infection

  • Your browser home page settings have changed and won't change back when you adjust them.
  • Unusual items that you haven't set or saved, such as an unfamiliar search site or strange item in your Favorites list, appear in your browser.
  • Your system is sluggish and runs much slower or crashes more frequently than it did before.
  • Pop-up advertisements appear all the time, even when you are not connected to the Internet.
  • You have hefty charges on your phone bill for calls you never made.
  • There is activity on your computer, as though you are sending and receiving information, even when you are not connected to the Internet.

Tips to Prevent Spyware

  • Check out the legitimacy of free software, tools and online services before you use them. Enter the name of a product, tool or vendor into your search engine and scan the results.
  • Be wary of freeware or free services online. Even innocuous looking screen savers, cookie managers, fun cursors and Internet pets can be disguising hidden software.
  • Beware of unauthorized pop-up windows. Trick security threat windows, pop-ups that say you're a winner or buttons located within suspicious pop-ups can all lead to spyware downloads.
  • Always carefully read licensing agreements and privacy agreements prior to installing software.

How to Remove Spyware

If you are concerned about Spyware and unwanted software, or suspect your computer may be infected, download an anti-spyware tool from a reputable online source to help you remove it.

As with all clean-up tools of this nature, anti-spyware removes targeted software but does not block your computer from future infection. Just as you would with anti-virus software, you will need to access updated copies of the anti-spyware tool and run it on an ongoing basis.

Log Off

When you are finished conducting online transactions or visiting secure websites, remember to always:

  • Properly log off the website.
  • Close your browser.

Taking these two simple steps will ensure that any information that is stored on your computer or in your browser is erased. This will protect your files, accounts and passwords by preventing others from being able to view this information later.

Helpful Links