State Bank employs the latest in Internet Security and User Authentication to ensure that data being transmitted through the Internet Banking System is secure from unauthorized access. The methods are outlined below.

Digital IDs from VeriSign

State Bank's IBS system uses digital IDs certified by VeriSign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system.

How do digital IDs work?

Digital IDs work off of a matched key setup where the server has a "private" key issued only to the server and a "public" key widely distributed to the bank's customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.

Secured Data Transmission

The Internet Banking System combined with digital ID authentication through VeriSign allow the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.

Server Access

We protect our site through a combination of hardware and software based firewalls. By combining the latest technology with authenticated access to the web server, State Bank makes your Internet banking transactions secure.

How We Protect You

  • Online Banking sessions have a time-out limit requiring you to login again after a period of inactivity to prevent unauthorized access to your session.
  • Passwords will lock out after 3 consecutive incorrect attempts to prevent unauthorized access.
  • We use a personal watermark that you select to provide to ensure that you have accessed the authentic State Bank & Trust online banking site.
  • When you log out from the site, you get an alert notification displayed to let you know that you have been logged out.
  • State Bank & Trust does not request personal or account information from customers by email or pop-up windows.

Privacy Statement

State bank does not collect identification information from users visiting this web site or using our Internet Banking system. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer's needs.

Information submitted to the bank through e-mail or through the submission of applications is used internally to process requests and respond to customer email. This information is not distributed or sold to other organizations.