Security Policy

Customers should be on guard for fraudulent emails, pop-up windows, or telephone calls that seem to be from Independence Bank. They include a link to a website that appears to be a legitimate Independence Bank webpage, asking for personal information such as Independence Bank account numbers, ATM or Debit Card numbers, passwords or other personal, private, non-public information.

Independence Bank will never request any personal information (such as account numbers, passwords, PINS, or Social Security numbers, etc.) through a text message, over the phone, or through an unsecured email. If you believe you have received one of these unsolicited emails and provided confidential information through the linked website, you could be a victim of identity theft. Please contact Independence Bank immediately at (401) 886-4600.

Independence Bank continually updates and improves its security standards and procedures to help us protect against anyone gaining unauthorized access to your confidential information, both internally and through the Internet. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information. We are continually looking for new technology to further enhance the security of this information. Only those persons who need to do so as part of their job responsibilities are authorized to have access to your information. We regularly train our employees on privacy and information security, and on their obligations to protect your information.

You can also help safeguard your personal information by taking a few simple precautions:

Protect your account number and PIN number.
Periodically change your Online Banking password. We recommend every 45 days.
Never disclose confidential information to unknown callers.
When using the Internet, be sure to use a secure browser with 128 bit encryption and current virus-detection software.
Never open e-mail from unknown sources.

Security Procedures

A Customer I.D. and Personal Identification Number (PIN) will be issued to you for security purposes. The I.D. and PIN are confidential and should not be disclosed to third parties. You are responsible for the I.D. and PIN. You agree not to disclose or otherwise make the I.D. or PIN available to anyone not authorized to sign on your accounts.

Web Site Links

The links in this web site will let the user leave Independence Bank's site. The linked sites are not under the control of Independence Bank and may have a different privacy and data security policy. Independence Bank IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links are provided as a convenience to users. Access to any other Internet sites linked to this web site is at the user's own risk. The inclusion of any link does not imply a recommendation or endorsement by Independence Bank of the linked site.

Electronic Mail

Messages sent by e-mail may not be secured, may be intercepted by third parties and may not be immediately received by the appropriate department at Independence Bank. Please do not use e-mail to send us communications that contain confidential information, that we require in writing, or that needs our immediate attention. Please call us instead at (401) 886-4600. Be aware that a "receipt" acknowledgment on an e-mail message means only that the message has routed into the Internet, not that the message has been received by Independence Bank. Urgent or confidential matters should be addressed via phone or in person. Written authorizations should be provided via U.S. mail or in person.

Liability for Unauthorized Use

You should notify Customer Service immediately if you believe that your password has become known to an unauthorized person. Call (401) 886-4600 immediately by telephone to keep your possible losses to a minimum.

Notification of Unauthorized Transaction or a Lost or Stolen Access Device

If you believe your password has become known by an unauthorized person, or that someone has transferred money or made payments without your permission, you may call Customer Service at (401) 886-4600.

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