Security Policy

At HealthcareBank, a division of State Bank & Trust, your online information is secure, and you can be confident that no one else has access to it. Signing on to view your accounts from the HealthcareBank, home page is safe. When you click the Login button, your username and password are encrypted using Secure Sockets Layer (SSL) technology to keep your information secure.

Preventing Theft of Your Personal Information

  • You get a phone call from someone who says he is a police officer or bank employee, requesting your bank account numbers in order to prevent fraudulent activity.
    Do you give out your bank account numbers?
  • You receive an e-mail from someone you don't know, asking to confirm your Social Security number for charitable purposes.
    Do you give out your Social Security number?
  • You open an e-mail from an Internet sales site you have previously used, asking you to update your personal account information, including your personal identification number (PIN) for your debit card.
    Do you give out your PIN?
  • You receive a letter, phone call or e-mail identifying you as the lucky winner of a lottery or sweepstakes. All you have to do is pay taxes or fees on your winnings in advance by wiring the money. They are even sending you a check to cover the taxes or fees!
    Do you wire the money?
  • You open an e-mail asking you to help someone in another country by cashing a money order. For your troubles, the sender says, you will receive two thousand dollars.
    Do you send the money?
  • You are selling your car, and the buyer sends you an “official check” for thousands more than your asking price. They tell you this was an error and ask you to wire the excess funds back to them.
    Do you wire the money?

The answer to all of these questions, of course, should be "No." But the reality is that bank customers fall victim to these and other real-life scams every week. Most of us are trusting people, and we assume that others are as law-abiding as we are.

Unfortunately, others are not all as law-abiding. Criminals want your personal bank account information, PIN or Social Security number so they can make huge profits at your expense.

Don't Give Out Your PIN

Never send money or personal information, for any reason, to people you do not know, unless you have a very good reason to trust them. If you receive an e-mail, Internet pop-up, phone call or letter asking for your personal information—bank account or bank routing number, PINs, Social Security number or credit card information—do not give out that information.

Unless you have initiated the phone call, never give out personal information. You must know who you are talking to.

Remember, you are responsible for any check, money order or other item you deposit that turns out to be counterfeit, even if the bank has already made the funds available for you to use. Funds may be charged back against your account if the item doesn't clear.

Keep an Eye on Your Accounts

We suggest you monitor your bank, credit card and other accounts regularly to ensure that all transactions are your own. Remember, HealthcareBank will never call or e-mail you to ask for your account numbers, Social Security number, or other personal information. We already have all your account information, right here at the bank. Nor will any other financial institution, business or government agency call requesting that you provide personal information.

We also recommend that you monitor your credit report for unauthorized activity. You are entitled to receive a free copy of your credit report once every 12 months. Request a report by visiting www.annualcreditreport.com, or by calling 877-322-8228.

For more tips on how you can avoid identity theft and fraud, look for the Federal Trade Commission's online guide, "Take Charge: Fighting Back Against Identity Theft," at www.consumer.gov/idtheft/.