General Banking FAQs | Online Services FAQs | Security FAQs

Giving out personal and financial information is always a difficult decision; especially when trying to decide which information is pertinent and how much to give.  That's why we strive to keep you educated about personal and financial information security.  Below you will find our answers to your questions about security!

What is Phishing and Pharming?  
How does South Sound Bank collect and use information from its website?
What is South Sound Bank's policy on information regarding children?
How is my personal information handled with respect to the USA PARTIOT Act?
How is my VISA® Check Card protected?

What is Phishing and Pharming?

The FBI has identified "Phishing" – when criminals send fake e-mails requesting personal information – as one of newest and most disturbing Internet scams.

Criminals send legitimate-looking e-mails that appear to come from well-known sites like MSN, Yahoo! and America Online with bogus requests for personal information like bank account information and credit card numbers.  The messages often claim that billing information needs to be updated.

The FTC recommends the following steps to help avoid ‘phishing’ scams:

  • Don’t click on a link in an e-mail that warns your account will be shut down unless you reconfirm billing information.  Contact the legitimate company using a phone number or Web address.

  • Look for a padlock icon that signals a site is secure before e-mailing personal and financial information and be sure to regularly review your credit card and bank statements for unauthorized charges.

  • Contact the FTC about spam at

Phishing attacks use both social engineering and technical subterfuge to steal consumers’ personal identity data and financial account credentials.  Social-engineering schemes use ‘spoofed’ e-mails to lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as credit card numbers, account usernames, passwords and social security numbers.  Hijacking brand names of banks, e-retailers and credit card companies, phishers often convince recipients to respond.  Technical subterfuge schemes plant crime ware onto PCs to steal credentials directly, often using Trojan key logger spy ware. 
Pharmers redirect as many users as possible from the legitimate commercial websites they’d intended to visit and lead them to malicious ones.  The bogus sites, to which victims are redirected without their knowledge or consent, will likely look the same as a genuine site.  But when users enter their login name and password, the information is captured by criminals.
The most alarming Pharming threat is DNS Poisoning, which can cause a large group of users to be redirected to bogus sites.  The Domain Name System (DNS) translates web and e-mail addresses into numerical strings, acting as a sort of telephone directory for the internet. If a DNS directory is "poisoned" or altered to contain false information regarding which web address it associates with what numeric string, users can be silently redirected to bogus websites even if they type in the correct URL.

Consumer Advice:  How to Avoid Phishing Scams:

To learn more about Spy ware and how to protect against it click on the link below:
How to protect your computer:
Please follow these links to learn more about how you can protect your computer from being compromised:
To learn more about how South Sound Bank handles your information, read our Privacy Policy.

How does South Sound Bank collect and use information from its website?

We recognize and respect your need for privacy and security as you visit our site.  As you visit our site, you do so without telling us who you are and without revealing any personal information.  Visitors to South Sound Bank’s website will remain anonymous.  We do not collect personal identifying information about visitors unless you provide that information to us.

While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the purpose of tracking activity on our site.  Our software collects non-identifying information about visitors to the site, such as date and time visited, IP address, city, state and country.  This information is used to compile statistics on site usage.
In the normal course of business, we do not ask for your name or personal information while you are visiting this site.  However, if we ask you to supply us with personal information and you do so, we may retain that information.  For example, your information may be retained by our institution when you:

  • Provide us with an e-mail address in order that we may respond to you.

  • Answer online questionnaires – a service we may provide to improve our services.

  • Provide us with information in response to an online promotion or contest.

  • Request a call, mailing or electronic response concerning our financial products and services.

What is South Sound Bank's policy on information regarding children?

South Sound Bank thinks that it is extremely important to guard the identity and privacy of children, and we encourage parents to supervise their interactions online.  We do not intentionally market to or solicit personal information from children under the age of 13.  In the event that we receive personal information from a child whom we know to be under 13, we will only use that information to respond directly to that child or seek parental consent.

For more information on the Children’s Online Privacy Protection Act (COPPA), you can visit the Federal Trade Commission site at

How is my personal information handled with respect to the USA PARTIOT Act?

In accordance with federal regulation, South Sound Bank does require certain identifiable information to open and service accounts.  Click here for more information.

How is my VISA® Check Card protected?

To help detect fraud on your Visa® Check Cards, South Sound Bank has implemented a universal fraud detection system.

This system allows us to compare a single transaction with your normal use patterns within minutes after your card is used and flag transactions that don’t seem like yours.

If you know that you will be going on a trip or making an unusually large purchase or cash withdrawal, let us know in advance.



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