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Customer Education and Online Safety Tips

Safe, smart transactions online

At, we take your privacy and online security seriously. As we conduct business online, we aggressively work to protect your sensitive information as well as our operating systems and electronic information. The tools, policies and systems we utilize include:

  • Using anti-virus software
  • Using anti-spyware software
  • Maintaining firewalls
  • Conducting some transactions in writing
  • Maintaining a clear Privacy Policy for this site
  • Other defensive measures does not make account information available online except through our secure account management system. We also enforce strict identification measures for customer requests over the telephone or in writing. To learn more about how uses and protects your personal information, download the fact sheet PDF that is part of the terms and conditions of an account.

PLEASE NOTE: will never contact you and ask for your password or other personal information. We may ask you for this information if YOU contact US, in order to verify your identity.

Note: You need to access the free Adobe Reader to view PDFs. If you do not have Adobe Reader, you can download it here for free

When in doubt, don’t click!

Phishing emails can be very sophisticated and may look just like they are coming from a familiar bank, online retailer or financial institution. Instead, they trick consumers into clicking on links, providing personal banking information, and infecting computers with criminal viruses. will never send you any unsolicited emails and will never send any email asking you to provide your personal account details. In general, avoid clicking on links embedded in emails; instead type in the URL into your internet browser.

Click here to learn more about Identity Theft and Fraud Reporting.

Do your homework

The FDIC provides valuable information about the assets of all FDIC-insured banks. With this free information, you can objectively compare your banking institutions. Go to the FDIC website at and look for Uniform Bank Performance Report.
Information on is included in the report on Beal Bank.

Keep viruses away

Research anti-virus software and install one on your computer. Use it regularly to scan your computer for viruses.

Keep your secrets secret

Whenever you are banking or shopping online, protect your login information including user names, passwords and personal identification numbers. Don’t use information that is easy to guess or find publicly, including middle names, maiden names, street addresses, etc.

Understand all your terms

Make the effort to read the terms of all your accounts, and ask questions so you fully understand all the details. For your accounts, you can call an Retail Banking Specialist at 866-UMBRELLA (866-862-7355) to ask questions.

Clear your history

Regularly clear your internet browser history, to protect yourself against spyware and viruses that search there for sensitive information about you and your transactions.

Maximize your FDIC insurance

The FDIC insures your deposit to at least $250,000 per depositor. By managing your investments with accounts in the name of family members, you can increase your total coverage. Go to the FDIC government website for more information.

Merge your management

Don’t keep your investments in a vacuum. Instead, consider adding in your investment returns, account amounts and long-term plans in with your monthly household budget management. This will give you an accurate way to view both short-term (monthly) and long-term (investments) results in one place that will be easier to maintain. Research popular software, and make the commitment to your long-term success.

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Please be aware that you will be leaving and accessing a new website from another party. Other sites are not subject to or covered by the the privacy and security policies of We encourage you to read the privacy and security policies of the site you are entering.

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