Online Banking Security

Eastern Michigan Bank understands that the security of your personal account information is important to you. We also understand that our continued success as a financial institution relies on both our ability to offer banking services to you in a secure manner as well as your responsibility in keeping any access codes, passwords or PINs secure. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information as it travels between your PC and Eastern Michigan Bank. With the proper safety measures in place, your online banking transactions remain safe and secure. The following measures have been taken to ensure your privacy, as well as some steps you can take

We use the latest encryption technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in code, which can be decoded later with the right "key". When you request information about your accounts, the request is sent encrypted to Eastern Michigan Bank. We decrypt your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it.

Eastern Michigan Bank does not display your account numbers over the Internet. Instead, we ask you to choose a "pseudo" name for each of your accounts. Example of pseudo name would be vacation account, checking account, savings account. You can change your "pseudo" account name under the "Options" section of our online banking service.

In order to access your accounts online you must enter a unique User ID and password. We strongly recommend that you choose a password that you can remember (without writing it down) but does not contain information that can be easily guessed by someone. Avoid the use of birthdays, children's names, etc. Do not reveal your User ID or password to anyone.

If an unauthorized person attempts entry into an end user's account by trying to guess a Log-In ID, the bank will disable the password on the third incorrect attempt, thus invalidating the Log-In combination. If you accidentally activate this security feature by unintentionally mis-keying a password three times, you would need to call the Bank to reestablish the password for that account. For example, a common mistake made by the end user is having the CAPS-LOCK on while keying in a password.

To further protect you, a timeout feature is used. This feature will automatically log you out of your current financial service session after a 10-minute inactivity period on our site.

Eastern Michigan Bank requires that you periodically change your password. This step provides additional security should someone guess your current password.

Please remember that e-mail is not secure against interception, and you should be cautious when sending e-mail with personal information. If your information is very sensitive, or includes personal or confidential information-such as your bank account, charge card or Social Security number-you may want to contact us by postal mail or telephone. For a secure email connection utilize our Contact Us option.

Our server is isolated from the network via a "firewall". All requests to the server are filtered through a router and

firewall before they are permitted access to the server. A router is a piece of hardware that works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The router and software "firewall" define and limit access that "outside" computers have to the Bank's server. The configuration begins by disallowing ALL traffic and then opens only when necessary to process acceptable data requests, such as sending customer requests to the Bank.

While Eastern Michigan Bank works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Eastern Michigan Bank account information is protected, including:

If you notice suspicious or unusual activity on your Online Banking accounts, call the bank immediately.