Protecting You and Your Account

Your online visit to our Personal Branch Home Banking site is safe and secure. We employ a 'layered approach' of multiple barriers between your account information and the outside world rather than just a single level of security.

We utilize such measures as authentication, encryption, firewalls, intrusion prevention systems, around-the-clock proactive monitoring, routers, demilitarized zones and antivirus protection.

Below is a general overview of what we do to protect you and your account.

You may login to Personal Branch Home Banking via the link below:

Personal Branch Home Banking

Should you have any general questions, please Email Us.

Authentication
In order to use our online banking service you must have a Member Number and Access Code. BHCCU employees do not have access to your Access Code. If your Access Code is entered incorrectly three times at the login page, your account will be frozen. You will then need to contact the Credit Union at 1-800-779-5555 to be authenticated and unlocked.

When you login, your Member ID and Access Code are transmitted via a secure session between your browser and our servers. Your information is 'scrambled' (please see Encryption below) and then sent to our online banking servers where it is 'descrambled' using a unique and temporary key.

Encryption
We require the use of a secure browser to access your account online. Your browser must be equipped with SSL (Secure Socket Layer) with a 128-bit or higher encryption algorithm to communicate with our servers.

SSL protects against eavesdropping and data tampering during trasmission.

There are trillions of possible key combinations and each time you connect to Personal Branch Home Banking a new key is utilized.

To check the security status of a web page, look at the URL in your browser window. You will see an "s" added to the familiar "http" (to make "https"), this indicates that SSL is in effect for the current page.

Please note that BHCCU never transmits your information without it being encrypted beforehand.

Network Security & Monitoring
We utilize firewalls, routers, intrusion prevention systems, demilitarized zones and active monitoring of suspicious activity against our servers. All network activity accessing our business-critical systems is logged, monitored and reviewed on a continual basis.

Session Cookies
Our servers require session cookie technology to ensure account confidentiality and security. A session cookie is a single use security object that permits you to browse within password-protected areas of our web site. The session cookie is only valid during your current login session and is automatically discarded after periods of inactivity or a log off. Please note that we never use cookies to capture any personal information about you.

Anti-Virus
We use several layers of virus detection software to protect our environment. Our antivirus software scans our network equipment, our servers and PCs to detect and react to any virus activity that may be introduced. Our email servers also provide the same protection, scanning each incoming document for malicious code.