Online Banking uses Secure Sockets Layer (SSL) software with 256-bit encryption. This is the industry standard for secure online commerce transactions today. It encrypts all of your personal information, including account number, name and address so that it cannot be read as the information travels over the Internet. You can identify those web sites that use SSL technology by looking for the "lock" icon on your Internet browser's status bar.

Encryption technology ensures that data sent over the Internet cannot be intercepted or read by anyone other than the authorized recipient. Encryption protects the data using advanced mathematical algorithms to ‘scramble’ the data.  

This 256-bit encryption is 2^128 (approximately 3 followed by 38 zeros) times harder to decrypt than 128-bit data packets to insure a safe and secure banking experience. Online Banking also uses a "Digital SSL certificate."  This certificate confirms that a specific Web site is secure and genuine, and that no other Web site can assume the identity of the site you want to access. For your protection, your Online Banking web site uses Digital SSL certificates published by Verisign (, the world's leading certificate authority.

When you log in, a ‘cookie’ is generated on your computer. This cookie sends no personal information to the Online Banking servers. It simply allows the servers to verify with each transaction that you are still the person who logged in. If a malicious person on the Internet tried to intercept your transmissions to our server and take over the session, the cookie wouldn’t exist on the attacker’s computer and the session would fail. Once you log off Online Banking, the cookie is deleted automatically.

It is worth restating the core difference between this kind of “session cookie” and other kinds of cookies: absolutely no personal information is passed to the
Online Banking servers
, nor is any information retained on the user’s system after terminating the session.