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Just as Citizens Bank & Trust securely maintains your accounts, there are methods for you to protect your financial “self.” Please review the information below if you have questions or concerns about online banking safety.

Online Security Tips

Your online experience is only as safe as you make it. The March 2011 Security Tips document goes a long way toward keeping you safe and pointing to even more reliable resources.

Document Retention

Your trash is a goldmine — if it happens to include sensitive personal information such as account numbers or even a social security number. Those who mine trash for such information aren’t looking to share the wealth, either. The question of when to destroy old records is not one of if, it is more of "when" and knowing when is possible using the "Keep or Shred" document. Additionally, you may cut down on the documents you need to shred by using e-Statements to avoid receiving paper statements. (Electronic statements are actually safer from theft than those delivered via mail.0


Regular e-mail users already know spam and “phishing” through e-mail have been a headache for years. These fraudulent attempts to trick users into giving out sensitive information like debit and credit card numbers and PINs, Social Security Numbers, and even bank account numbers are continually revised to trick the unwary.

Citizens Bank & Trust will never send you an e-mail asking for this information because we already have it. Do not reply to any message asking for such information, even if it looks legitimate.

To protect you even further, if we receive an e-mail message that does not match the address we have on file for a customer, we will ask for proof of identity before proceeding further. If you change your e-mail address, be sure to update your address the next time you log in by going to Account Options.

Secure Messages

Everyday e-mail is not secure and should never be used to send sensitive personal information like that mentioned above. You may use ebank’s secure message system to safely communicate sensitive information if it becomes necessary.

Once you are logged into ebank, click the “Contact” link and you will enter the secure message system and may safely communicate sensitive information. We will reply using the same secure system.

Social Engineering & Identity Theft

Despite stories in the media, online banking is still one of the safest ways to maintain your finances. What you generally don’t hear is that mail theft and social engineering are overwhelmingly responsible for identity theft and fraud.

We recommend you minimize the amount of financially-sensitive mail you send and receive, such as statements and checks. You can use Electronic Statements and Billpayer for your CB&T accounts, and online access provided by other financial or service companies with which you have accounts.

It is important you also be cautious about providing any personal information on the phone unless you initiate the call to a trustworthy individual or business. Social Engineering, sometimes called “pretext calling,” is used to talk you out of sensitive information such as Social Security Numbers, account numbers (for any account or service) relative’s names and addresses. Once combined, this information assists an identity thief to assemble a “person” to be used for fraudulent purposes.

If you suspect you have been the victim of Identity Theft, contact your financial service providers and credit bureaus. You may wish to visit the FTC's ID Theft Assistance Site for more information on how to handle suspected identity theft.

Cookies, SSL, Virus Protection & Firewalls

As careful as you are protecting your personal information, you also need to adequately protect your personal computer to prevent technology from helping identity thieves.

  • Cookies: We use cookies to help us identify you as a legitimate ebank user. If your system will not allow cookies, you will not be allowed to log into ebank. If you need assistance configuring your browser to accept our cookie, please contact Ebank Help.
  • SSL: Just as we require cookies, we also require your internet browser software to support SSL or 128-bit encryption. Most browsers already support this requirement. If not, you may always download a new version, free of charge, from several sources.
  • Virus Protection & Firewalls: Whether you are an online banking user or not, always keep current virus protection software operating on your computer. Several reputable companies offer these programs and provide frequent updates to stay current with changing threats over the internet. For additional protection, use a firewall – either software or hardware – to prevent your computer from being identified and targeted for mischief.