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 User ID’s and Passwords 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

Your internet banking activity is continually monitored.  When you log into your internet banking account from a different computer, unusual location or complete a transaction that is outside your “normal” pattern, you will be challenged with the security questions that were created when your internet banking account was established.

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.  

In addition to 128 bit encryption there is another security feature which provides visual feedback to our Internet Banking customers letting them know they are accessing our Internet Banking website securely. After you have logged on to your internet banking account, the URL/Address Bar at the top of the page will turn green.  This green bar indicates that you are on our secure website.  To see the green bar, you will need to be using one of the following internet browsers:

• Internet Explorer 7.0 and above
• Firefox 3.0 and above
• Safari 3.2 and above

Multi-Factor Authentication

You must privately maintain a combination of a password, log-in ID and Watermark image.  Because the Bank assigns you the original password, our Account Acce$$ Online Banking system forces you to change your initial password and select an image from a library which will be associated with your internet banking account. The next time you log-in and recognize your unique image, you can bank with confidence knowing that you are on our secure website.  If the password is lost or forgotten the Bank will reset a default password for you once we have confirmed your identity.

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.

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 Password that is hard to guess and never use a word that can be found in the dictionary.
• Memorize your Password! Even the best Password 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 Password with anyone else. Your Password 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 Password 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 Password as often as you wish. (We recommend changing your Password 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.

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.

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.