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FDIC Coverage The first link below you will find a Southern Heritage Bank article explaining FDIC Insurance. Please click to open one of the Bank's feature articles. NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional For more information about temporary FDIC insurance coverage of transaction accounts visit ww.fdic.gov. Bank Featured Article: Suze Orman explains the EDIE Estimator The FDIC's national public service campaign designed to help consumers learn about the benefits and limitations of deposit insurance; featuring personal finance expert Suze Orman and a link to EDIE the Estimator. Click this link! www.myfdicinsurance.gov/ Note: By accessing the noted link above you will be leaving SHB's website. This external site is not operated by SHB. The link is provided for convenience and informational purposes only. SHB has no responsibility for the content of this website and does not attest to the accuracy or propriety of any information located there. Bank Featured articles: Bank Security Statement This Internet Banking Solution brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulated the inflow and outflow of server traffic. Secure Access and Verifying User Authenticity To begin a session with the bank's server the user must key in a Log-in ID and a password. The Internet Banking Solutions uses a "three strikes and you're out" lock-out mechanism to deter users from repeated log-in attempts. After three unsuccessful log-in attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful log-in, the Digital ID from VeriSign, the experts in digital identifications certificates, authenticates the user's identity and establishes a secure session with that visitor. Secure Data Transfer Once the server session is established, the user and the server are in a secured environment. Because the server has been certificed as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new account holder starts a server session. Router and Firewall Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. the configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure.
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