Secure Communications - Encryption

UmbrellaBank requires the use of 128-bit Secure Socket Layering (SSL) encryption. SSL allows a user's browser to establish a secure channel for communicating with our web server and ensure that the information being transmitted is authentic, cannot be deciphered, and has not been altered during the transmission. As such, SSL protects all data transmissions between your PC and UmbrellaBank's computer banking system. SSL also utilizes a digitally signed certificate that verifies that you are communicating with our Online Banking server, and not a third party trying to intercept the transaction.

128-bit SSL encryption is essentially a sophisticated way of scrambling your online information before it leaves your computer, so that if intercepted, it is completely unreadable. When you request information from UmbrellaBank's Online Banking system via the Internet, your request is encrypted (or "encoded") while it travels. We then "decode" your request for your information and send it back to you again, safely encrypted. When you receive information, your 128-bit browser is able to decode the information and make it available for you to read. 

Your UserID and Password are also encrypted while being transmitted to our secure server. A customer can tell whether a document comes from a secure server by looking at the location (URL) field. If the URL begins with https:// (instead of http://), then the document is coming from a secure server.

For more information on SSL and digital certificates, please review our Security FAQs.