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Security Notice:  Heartbleed Online Virus

For our customers that may be concerned about the recent news regarding the Heartbleed virus and the security of your Bank of Eastman/Magnolia State Banks’ account information, please rest assured that Bank of Eastman/Magnolia State Banks does not use the type of code that is vulnerable (OpenSSL).

Please be assured that your money and information are safe with Bank of Eastman/Magnolia State Banks and you will be able to access your account through our Online Banking just as you always have.  We take your security very seriously.  This includes the protection of all of our systems and networks.  We regularly review our systems to address security issues.  Multiple layers of security safeguards are in place to protect your information and financial assets.

As an individual consumer, you can help protect yourself and your personal information by using unique IDs and passwords on the various websites you visit, as well as adopting the following password security best practices:

  • Change your password frequently.
  • Use a password that contains at least eight characters.
  • Include, at a minimum, letters and numbers in your password.
  • Don’t leave passwords where others can find them.
  • Never share your password.

As part of our commitment to remain on the cutting edge of banking technology, we are pleased to announce that we are upgrading our online banking system.  Our new system will help us continue to provide the Superior Banking Service you have come to expect, while better enabling us to protect your confidential information and offer the most up-to-date products and services.  The conversion to our new system will begin on Monday, April 21, 2014, and will be completed by the morning of Wednesday, April 23, 2014. 
With our new online banking system, there are some changes that will affect the products and services we provide to you.  We want you to be aware of these changes and ask that you read this letter carefully to help ensure the transition to our new system causes you as little disruption as possible.

Temporary Service Limitations during the Conversion Period
In order to make the switch to our new online banking system, we must temporarily limit the availability of some banking services during the Conversion Period.  We sincerely apologize for the limited availability of these services during the Conversion Period.  The affected services and temporary limitations are discussed below.

Advanced Login Authentication – Once the conversion has been completed, you will log into your account using the same user id and password that you used on the older Online Banking system.  You will be required to go through the Advanced Login Authentication (one-time security code) the first time that you use the New Online Banking System.

Online Bill Pay –  Even though there will be limited impact to the Online Bill Pay during the conversion, there may be the possibility of intermittent down time on April 5, 2014.  During this time, if you notice funding accounts re-appearing that had previously been deleted, please let us know so that they can be deleted for you.

Credit Card Account Access­ – Customers who have a credit card through the Bank of Eastman/Magnolia State Bank will have the ability to access their cards through Single Sign On into the EzCardInfo website.  If your card(s) were currently showing on your online banking, you will need to access them through this link.  It will not require a separate password and it will be as simple as clicking a link to access it.

All Other Online Banking Transactions – The cutoff hour for all Online Banking transactions (except Online Bill Pay) during the Conversion Period will be Monday, April 21, 2014 at 2:00 pm.  After this cutoff hour, the Online Banking system will be unavailable until Wednesday, April 23, 2014 at 8:00 am.

You can click on the following link for a video demo of what to expect.


IMPORTANT TIPS FOR SAFEGUARDING YOUR INFORMATION

At the Bank of Eastman/Magnolia State Banks, the security of customer information is a priority.  We are strongly committed to the safety and confidentiality of your records.  Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public.  One of the best ways to avoid fraud is to become an educated consumer.

  • Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one.  The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
  • Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails.  If you ever receive a suspicious e-mail representing itself as Bank of Eastman/Magnolia State Bank, please forward the message in it’s entirety to techsupport@bankofeastman.com.
  • Ensure that your own personal computer has updated anti-virus and firewall protections.  Apply security patches for all of your programs and operating systems regularly.
  • Passwords should be unique to you and changed regularly.  Do not use birthdays or other numbers or words that may be easy for others to guess.  Never write down your password or give it to another person.
  • Monitor your account activity frequently using our free Online and Telephone Banking services.
  • Sign up for free Online Banking eStatements to avoid having your paper statement sitting in an unsecure mailbox where it can be compromised.
  • Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
  • Set up a personalized Passmark Phrase for your Online Banking so that you always know when you are on our secure Web site.

Please keep in mind that we will never ask for or email you requesting your online banking password.  We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns.  If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure.  However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

We encourage you to review our Security & Privacy link which can be found at the bottom of any page of our www.bankofeastman.com / www.magnoliastatebanks.com Web sites.  If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 478-374-3418 or via e-mail at techsupport@bankofeastman.com


NEW AND IMPROVED

We are pleased to inform you that we, at Bank of Eastman/Magnolia State Banks, are in the process of converting our existing data and item processing systems to new and improved versions.  This will allow us to enhance our customer service along with offering more sophisticated technologies.  We will be upgrading our systems during the weekend of February 17, 2012.

During this upgrade, you may experience interruptions or limited access to your account information or account balance.  The telephone banking system will be unavailable during this weekend but will be available beginning February 21, 2012.  Internet banking and bill pay will be available for viewing only on February 17, 2012.  This means that no transfers or payments can be made on February 17, 2012.  The internet banking and bill pay will be unavailable on Monday, February 20, 2012 from 7AM until 12PM for conversion changes and on-line interface activation.  You will not be able to view any check images on the internet banking dated prior to February 17, 2012.  All logon information will stay the same.  For those who receive e-statements, the new statements will be presented in HTML format rather than the current PDF format.

During the weekend of conversion, your debit cards will be accessible, but will have limited availability.  If you anticipate using your card frequently, you may want to withdraw money from your account or use checks. On Monday, February 20, normal activity will resume.

After February 16, 2012, only loan and certificate of deposit history will be available.  We encourage deposit customers to print their history from online banking prior to February 17, 2012.  If you have any questions about accessing your account history information, please let us know.

The format of your notices and statements will change as well.  Although the format of our statements will be changing, they will include the same information as past statements.  Due to the conversion, we will generate and mail you a statement on your deposit accounts as of the close of business on February 16, 2012 using our current system.  On your next regular statement date, you will receive a statement using the new system covering the period from February 16th to the end of your normal cycle.

This latest conversion is just another one of our efforts to constantly update our technology in order to provide you with the best products and services available.  This will allow us to offer same day credit on most of your deposited items, all the way up until our closing time on any business day we are open.  This will also allow our internet banking, telephone banking and debit card information to be more up-to-date.

If you have any questions or need further clarification, please do not hesitate to contact any of our locations.


NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC Deposit Insurance

FDIC Deposit Insurance coverage limit has permanently increased to $250,000.00.  For more information, visit the FDIC's website.


How to Avoid Identity Theft

The Federal Trade Commission (FTC) has a great website that provides resources on ways to avoid identity theft and what you need to do if your identity is stolen. Below is a link to this website to help you deter, detect, and defend against identity theft.

http://www.ftc.gov/bcp/edu/microsites/idtheft/


VISA Security Alert

 


UGA MASCOT BURIED ON BANK OF EASTMAN PROPERTY

Mr. Angel was a mascot for the University of Georgia from 1944 to 1946. Mr. Angel belonged to Dr. Warren A Coleman. Mr. Angel was buried at the Coleman home which was located at the corner of Fifth Avenue and Oak Street in Eastman, GA.


Protecting yourself against "Phishing," a type of online fraud.

What is Phishing?

Identity theft over the Internet is on the rise and “Phishing” is one form of fraud that attempts to obtain your personal information through the use of emails, websites, and popups. This type of fraud occurs when you receive an email that is sent as though the email is from a legitimate company. The email will request sensitive personal information by telling you to either supply the information in a popup window or by clicking on a web link that sends you to a counterfeit web site. Once the information is obtained the data may be unlawfully used against you to create transactions on your existing accounts.

How can I identify these fraudulent emails?

  • Keep in mind that Bank of Eastman will not send emails asking for customer information.
  • Fraudulent emails will ask you for your confidential information.
  • Fraudulent emails may appear to be from a genuine source.
  • Fraudulent emails will also link to bogus Web sites.
  • Fraudulent email may also contain bogus phone numbers.

What should I do if I find one of these emails?

Do not click on any of the links in the email. If you find an email that you believe to be fraudulent either call our Tech Support Department at (478)374-3418 x104 or email techsupport@magnoliastatebanks.com to report it.


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