Online Banking & Internet Safety

Online Banking Safety

Use Multiple Levels of Authentication and Security Measures

  • Use your Login ID and password together with Secure Access Codes for approving sensitive transactions like ACH and wire transmissions through Online Banking.
  • Periodically perform a risk assessment and evaluation of your internal controls, including the computers that are used to access your Online Banking and conduct ACH or wire transfers.
  • Set up alerts to notify you of specific Online Banking activity. After logging in to your accounts, navigate to "Preferences" > "Alerts."
  • Monitor your postal mail. If you are still receiving paper statements and documents, make sure you receive them and consider switching to eDocument Delivery to help stop a common practice called "dumpster diving."
  • Check your statements and transaction history often to ensure the accuracy of your accounts.
  • If you use Online Banking at multiple financial institutions, use a different password for each. Choose strong passwords only you would know. Try to use a combination of at least eight letters, numbers, and symbols.
  • If you think your computer(s) may be infected with malware or some other form of virus, you should not conduct any Online Banking business until your computer(s) has been thoroughly checked by a security specialist.
  • If you mistype your password or make a login error three consecutive times the system will lock you out. This feature is a security item that helps protect the system, Commerce Bank, and your data. If this happens to you, you must call Commerce Bank at (800) 698-2265 to have your account unlocked.

How to Protect Your Computer(s)

  • Maintain up-to-date security software on computer(s) that includes anti-virus, anti-spyware, anti-phishing, and a firewall.
  • Set your operating system to update automatically.
  • Be careful when accessing or sending information over an unsecured public wireless network.
  • Be suspicious of emails or messages with misspellings or bad grammar.
  • Make sure you have an up-to-date web browser.
  • Keep your software licenses current.
  • Only open email and attachments from known senders.
  • If you receive an attachment from someone you do not know or are not expecting, do not open it, delete it.
  • Read software agreements to understand exactly what applications are being installed on your computer.d
  • Only download items from the Internet from trusted sources.
  • Be suspicious of emails asking for personal information. Commerce Bank and other legitimate financial service providers will never ask you to provide your Login ID, password, PIN, or any other sensitive information via email.
  • Never include sensitive information in an email to anyone.
  • Be selective when providing your email address.

How We Protect Your Information

  • We use firewall systems and intrusion detection software to prohibit unauthorized access to our systems.
  • We protect the confidentiality of your data by encrypting sensitive information with 128-bit Secure Socket Layer (SSL). This helps ensure that sensitive information can only be viewed by you and Commerce Bank. Please note that the Commerce Bank website is for authorized use only. Unauthorized access or use is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec 1001 and 1030.
  • We build information security right into our systems and networks using internationally recognized security standards, regulations, and industry-based best practices.
  • We employ strong authentication controls following guidance provided to us by the Federal Government's banking regulators.
  • We require our employees to take information security awareness training and to apply this training to their job every day.

Mobile Device Security

Today’s Mobile Banking applications provide simplicity and convenience to your life. They allow you the ability to manage your finances anytime, anywhere. By using a common-sense approach to its use, you can protect yourself and the important information on your mobile device.

Mobile Device Security Presentation
View Mobile Device Security Presentation

 

Additional Resources