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Privacy & Security

Our Mission - A Traditional Bank meeting the needs of our Customers and Communities with Innovative Products Delivered with Exceptional Service.

At First Chatham Bank we realize that protecting your personal and business financial information on the internet is very important.  We are now enhancing our controls to improve the authentication methods used for our internet banking products.  We have partnered with our core processor Fiserv to provide separate authentication solutions for eCorp (business internet banking product) and Online Banking (consumer internet banking product).  

What does this mean to you?

If you are a Retail Online Banking user:

The Extended Validation (EV) certificate is a quick and easy security measure that will protect your account information and help prevent identity theft whenever you sign on to our website.  This solution still requires you to provide an Access ID and password, but also identifies you based on the specific computer/device used. 

Each time you sign onto Online Banking after enrolling, the EV certificate will change the Retail Online Banking website URL address bar to green, providing you with visual confirmation that you are on a valid (First Chatham Bank's) website. In addition, EV certificates provide a special field that appears with the name of the legitimate website owner (Fiserv, Inc.).   

During the on-line process you will also be asked to provide answers to three security challenge questions.  In the event you sign-on from a computer that is not recognized, some or all of the security challenge questions will be asked to further identify you as the authorized accountholder.  

Not only must the individual accessing your internet banking account prove his or her identity to First Chatham Bank’s website, but the website must also prove its identity to the individual.  The result is end-to-end protection against phishing, spoofing, keyboard logging and other fraudulent attacks - all without the need to install any software.

If you are a Business Online Banking User:
First Chatham Bank provides each user a VASCO one-time password (OTP) token. These tokens will be delivered to you with instructions and additional information. The OTP generates random numbers at login, which you will use in conjunction with your personal identification number (PIN).  For each login attempt, the one-time password will change.  

For those clients using the wire or external transfer feature of eCorp, a second OTP will be required as further security.

In addition, each time you sign onto Online Banking after enrolling, the Extended Validation (EV) certificate will change the Business Online Banking website URL address bars to green, providing you with visual confirmation that you are on a valid (First Chatham Bank's) website. EV certificates also provide a special field that appears with the name of the legitimate website owner (Fiserv, Inc.).  

Privacy Policy
First Chatham Bank is committed to serving the financial needs of its customers.  As such, we are entrusted with sensitive confidential information so that we can provide the highest quality service and products to our customers.  We are committed to protecting the privacy of our customers’ information.  As a part of that commitment, we have adopted the following privacy principles and have implemented them at all levels of the organization.

1. Customers Expect Privacy.
We believe the protection and confidentiality of our customers’ information is one of our most important responsibilities.  We take this responsibility seriously and have designed policies and procedures to prevent misuse of this information.

 2. Customer Benefits of Information Management Practices
We collect, retain, and use information about our customers to help administer our business or provide products, services, or other opportunities to them.  We collect and retain information for specific business purposes, and we will tell our customers why we are collecting and retaining the information upon request.  We use the information to protect and administer our customers’ records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand our customers’ financial needs so that we can provide our customers with quality products and services.

3. Maintenance of Accurate Information.
We have established procedures to ensure that our customers’ financial information is accurate, current, and complete.  We also pledge to correct inaccurate or incomplete information in a timely manner.

4. Limitations on Employee Access to Information.
Each of our employees is required to follow our organization’s “Rules of Conduct”, which states that all customer information is confidential and privileged.  The appropriate disciplinary action is taken if this policy or procedures relating to this policy are not followed.

5. Maintenance of Security Standards to Protect Customer Information.
We are committed to the security of our customers’ financial and personal information.  We maintain security procedures designed to help prevent unauthorized access to their confidential information.  We maintain and grant access to their information only in accordance with our internal security standards.

6. Restrictions on the Disclosure of Account Information.
We do not reveal specific information about customers’ accounts or other personally identifiable data to parties outside our affiliate bank for their independent use unless: 

a) The customer requests or authorizes it; 
b) The information is provided to help complete a transaction initiated by the  customer; 
c) The information is provided to a reputable credit bureau or similar informational reporting agency; or
d) The disclosure otherwise is lawfully permitted or required.

We do not provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

7. Maintaining Customer Privacy in Business Relationships with Third Parties.
When we conduct business with third parties, we require our vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.  

8. Providing Privacy Information to Customers and Responding to Inquiries.
We, at First Chatham Bank, value our customers’ relationship.  We want our customers to understand our commitment to ensuring their personal privacy.  As a result of this commitment, we have developed this Privacy Policy, which is available to our customers.  Customers who have questions about this policy or the privacy of their customer information may call their local branch.

Top Reasons FCB Should Be Your Bank

Reason # 6, Totally FREE Online Banking with Bill Pay
Through our secure internet connection, you can view your account balance, activity and transfer funds between accounts. You can also sign up for our free online bill pay service. Try our online banking demo at www.firstchatham.com.

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