Texas First assures your security
Texas First’s 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 regulate the inflow and outflow of server traffic.
Our Internet Banking Solution provides a "three strikes and you're out" lock-out mechanism to deter repeated log-in attempts. The assumption is that YOU know your username and password and would not be mistakenly entering other guesses. After three unsuccessful log-in attempts, the system locks the user out, requiring a phone call to the bank.
Verifying User Authenticity
For each successful log-in, the users identity is authenticated via PassMark and a secure session is then established.
Secure Data Transfer by Encryption
No one will be able to eavesdrop on your Internet banking sessions! Once the server session is established, the user and the server are in a secured environment. Because the server has been certified 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 accountholder 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, Texas First assures you that your Internet banking transactions are secure.