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This Online, Mobile and Social Media Security statement supplements, and should be read along with, Apple Bank for Savings’ (“Apple Bank”) general Privacy Notice, which still applies and continues in full force.
Apple Bank’s commitment to privacy and security extends to the use of Online Banking by consumers and businesses. And because the Internet poses unique risks relating to privacy and the safeguarding of your personal and confidential information, we have put extra measures in place and provide this additional statement to assist you in protecting your privacy and security, while seeking to provide a satisfactory online banking experience.
Beyond outlining certain steps you should take (see Online Security, below) to protect the privacy and security of your online banking information when using the Apple Bank website or related sites (the “Site”), this statement also outlines how Apple Bank and/or its servicing or sub-servicing vendors or representatives may collect information coming from or provided by you, whether you are browsing the Site or are using an Online Banking service, such as Bill Payment, A2A External Funds Transfer Service, PayAnyone Service, Mobile Remote Deposit Capture Service, Text Banking Service, or View Mortgage Loan Info.
This statement is effective as of June 2017. The most recent version will be posted to the website. Please review periodically.
In addition to the network related measures the Bank takes to secure your personal and confidential information while you or your business are using Apple Bank’s Online Banking services (e.g., use of 128-bit encryption, firewalls, etc.), there are steps that you can and should take when using the Site and conducting any business through the Online Banking and all Services available thereunder.
When used with your User ID, your Password acts as an Electronic Signature and as your legal signature. You are solely responsible for keeping your User ID, Password and other account and personal information (i.e., Login Credentials) strictly confidential. Although systems safeguards are in place, you, alone, are personally responsible for ensuring your own security when online.
Upon any Login to the Services by anyone using your User ID, Password, Login Credential or any other authentication control, the Bank may rely and act upon any instructions received under such circumstances. In the event of unauthorized use of your information, as described above, you will be liable for resulting losses, unless, following prompt notice of theft, loss or a possible breach of any of your Login Credentials, the Bank acts with gross negligence or willful misconduct in handling your request to block further use of the Services.
Enhanced Login is a security feature that you enable by clicking “Register Device”, which deploys “cookies” to remember a specific Computer(s) and/or Mobile Device(s), recognizing their presence or absence when a Login is attempted. The process may also involve accessing detailed information including phone numbers, Computer and Mobile Device identification data and network identifiers.
Computers or Mobile Devices that are not registered will be identified and shall require an additional layer of security, i.e., through the delivery of a Secure Access Code (see below). The Enhanced Login feature can improve your security and further protect you against potential fraud and identity theft.
The Bank recommends that, at a minimum, you regularly change your Password, and create a unique User ID and Password combination. Depending on the nature or magnitude of risk posed by one of more of the Services, the OB Services platform may employ additional MFA security techniques, including the use of challenge questions or Secure Access Codes (“SACs”) [Defined at Section XVII, see also, Access Security, below].
To help protect yourself against fraud, you should follow these guidelines:
If you believe your Password or any other Login Credential has been lost or stolen, or if you suspect any fraudulent activity on your Account, call the Bank AT ONCE at (914) 902-APPLe (2775) between the hours of 8:30 AM and 9:00 PM M-F; and between 9:00-3:00 PM SAT-SUN, Eastern Time (“ET”). Telephoning us is the best way to minimize your losses and liability.
Change your Password IMMEDIATELY if you have any reason to believe it has become known or available to persons without authority to access your Accounts or Payment Account.