Watertown Savings Bank (WSB) understands that the security of your personal and 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 to properly authenticate your identity when you access these services and protect your information as it travels the Internet between your PC and Watertown Savings Bank.

Log-In Protection for You

You must privately maintain a combination of a password and Log-In ID. Because the Bank assigns you the original password, our Account Acce$$ OnLine internet banking system forces you to change the password once logged onto the system and before any transactions can be requested. This forces you to establish an absolutely private password. If the password is lost or forgotten the Bank will reset a default password for you once we have confirmed your identity.

Dormant Accounts

If your on-line account has been inactive for 90 days or more you will need to contact Watertown Savings Bank to reactivate it.

Invalid Logon Attempts

If an unauthorized person attempts entry into your account by trying to guess the Log-In ID, Account Acce$$ OnLine 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 will need to call Watertown Savings Bank to re-establish the password for that account. For example, a common mistake 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 Account Acce$$ Online banking session after 10-minutes of inactivity.

Browser Security

128 Bit Encryption - To ensure the highest level of security, we require that all users have browsers that support 128 bit encryption. We use the latest encoding 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 Watertown Savings Bank. We decode 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.

Router and Firewall

In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.

Your Role in Security

• Choose a good Personal Identification Number! You should carefully select a PIN that is hard to guess and never use a word that can be found in the dictionary.
• Memorize your PIN! Even the best PIN is worthless if it's written on a note attached to your computer or an entry in your checkbook.
• Don't share your Internet Banking PIN with anyone else. Your PIN is designed to protect the privacy of your banking information, but it will only work if you keep it to yourself. If you think your PIN has been compromised, change it online and immediately contact the Bank. Call us at 315-788-7100 or send us an email at support@watertownsavingsbank.com.
• Change your Login ID and PIN as often as you wish. (We recommend changing your PIN at least once each month.)
• Don't leave your computer unattended during an Account Acce$$ OnLine session - click on "exit" to end your session. You will be automatically logged-out after 10-minutes of inactivity.
• Once you have finished conducting your banking on the Internet, always sign off before visiting other Internet sites.
• If anyone else has access to your computer, clear your browser's cache in order to eliminate copies of Web pages that have been stored on your hard drive.
• Avoid using public Internet access terminals when conducting your Internet banking.
• Do not change your "pseudo name" for your Account Acce$$ Online Banking accounts to the numeric account numbers.

Important Note: While we continue to do everything possible to ensure the security of our system, we are not responsible for any breach of security that is outside of our control.