Please read these important safeguards.

Whether you conduct your "online" financial affairs for personnel or business use, you need to be aware of important safeguards that will prevent your "key information" from being accessed. Cyber-criminals are on the rise and they use very sophisticated methods to attack websites and personal computers to gain access. Once these criminals compromise your computer, they can engage in online account takeovers and fraudulent electronic funds transfers.

Incommons Bank will never send you an email that asks for your user name, password or other private information.

Here are security steps that you should follow. We are also including steps for commercial accounts in the next paragraph.

  1. Use a user name and password that are composed of lower and upper case letters and at least one number. An example of an adequate password would be a mix of a phrase or event: (e.g. If your favorite football team is the Dallas Cowboys, you could use: DAL66boys.)
  2. Change your password at least once every 90 days and if you suspect someone may know what it is, change it immediately. (Contact the bank if you suspect someone has your password.)
  3. Keep this information private.
  4. Make sure you have a firewall on your PC when conducting your banking transaction.
  5. Log in regularly to check on your balance and other banking activity, don't wait until the end of the cycle or just when you are expecting a direct deposit.
  6. Close the banking program by selecting "log out". Do not just close the page.

If you are a commercial banking customer, you may find that a risk assessment is useful to evaluate your security. You can start by making a list of the activities you normally do online, then look at your controls and procedures. If you would like more information on this, you may call our main office (254) 562-3821 and ask for the compliance department.

  1. How many people have access to your commercial online banking account?
  2. If you have others, beside yourself, do they all use the same user name and password? Each user that you have designated should have a separate user ID and password so that the bank can identify questionable activity should the occasion arise.
  3. Have you terminated the rights of former employees in your banking program and notified the bank of these changes in personnel?
  4. Do you allow the business computer to be used for other purposes and by other people who could inadvertently allow a virus to infect your computer?
  5. Do you keep a firewall in place to protect the computer from outside intrusion or hackers?
  6. Do you apply dual control or similar measures to online transaction capabilities? You may want to consider segregating duties so that one person does not have too much access.
  7. Do you conduct background checks on employees?
  8. Are passwords left out in the open?
  9. Are they complex or very simple?

Federal regulations do provide consumers with some protection for electronic funds transfers that have not been authorized by the consumer. These laws generally apply to accounts with Internet access and establish limits on a consumer's liability for unauthorized electronic funds transfers. But the laws also include specific steps that must be taken promptly to help resolve an error on your account. If you wish to take advantage of these measures you must act in a timely manner and notify us immediately if you believe your access information has been stolen or compromised.

If you suspect unauthorized activity on your account, please contact our main office immediately at: 254-562-3821. Our employees have been trained to help you protect your account and detect unauthorized activity. You may ask for an Electronic Fund Transfer disclosure for more information.

Incommons Bank, N.A.
P O Box 510
301 E. Commerce
Mexia, TX 76667


Card Safety

Debit Cards

Using your ATM or debit card is a hassle-free, simple, way to get cash, check account balances, make purchases and more. To enjoy the many conveniences electronic banking offers, you should make ATM and debit card safety a priority. Here are some important safety tips.

Treat your card like cash. Always store your card in a safe place. Always keep teller receipts safe and do not leave receipts around teller machines or accessible to others.

Keep your PIN a secret. ATM transactions and PIN debit purchases require the use of a secret code known as a personal identification number or PIN. Memorize your PIN, and never write it on your card or store it with your card. Never let someone else enter your PIN for you.

Do not disclose information about your card over the telephone. No company or individual needs to know your PIN...not even your financial institution. If you perform transactions over the telephone using your ATM or debit card, never disclose your PIN.

Never disclose information about your card in response to an unsolicited e-mail or request. E-mail is a common channel for fraud perpetration.

Never provide your debit or credit card number, PIN or any other non-public personal information to any entity in response to an unsolicited e-mail or request.

Make certain your Internet shopping sites are secure. Look for secure transaction symbols when shopping online to ensure your account information is protected. Always log off from any site after you make a purchase. If you can't log off, shut down your browser to prevent unauthorized access to your account information.

Protect your card's magnetic stripe. Do not expose your card's magnetic stripe to magnetic objects. Magnetic objects can damage your card.

Report a lost or stolen card at once. Immediately call Incommons Bank if your card is lost or stolen to reduce the chance that it will be used improperly.   Immediate notice of lost or stolen cards will also limit your potential liability for unauthorized transactions.

Review your account statements for unauthorized transactions. Review all account statements from your financial institution promptly, and report any errors (including transactions you believe may be unauthorized) as soon as possible. Prompt notification will limit your potential liability for unauthorized transactions.

ATM Safety

Always observe the ATM surroundings before conducting a transaction. If anyone or anything appears to be suspicious, leave the area at once. If you drive to an ATM, park as close as possible to the terminal. Observe the entire area from the safety of your car before getting out.

If an ATM is obstructed from your view or poorly lit, go to another ATM. If possible, report the problem to the ATM operator or your own financial institution.

It is a good idea to take another person with you when using an ATM, especially at night. Minimize the time spent at the ATM when conducting a transaction. Have your card out and ready to use. Do not allow a stranger to assist you in making a transaction, even if you have trouble or your card gets stuck. When your transaction is complete, put your card, money and receipt away and immediately leave the area. Never count your money while at the ATM.

Block the view of others when using the ATM. Stand between the ATM and anyone waiting to use the terminal. Shield the keypad as necessary when entering your PIN and transaction amount.

If you see anyone or anything suspicious, cancel your transaction and leave the area at once. If anyone follows you, go immediately to a crowded, well-lit area and call the police. Look for possible fraudulent devices attached to the ATM. If the ATM appears to have any attachments or alterations to the card slot or keypad, do not use the ATM. If possible, report the problem to the ATM operator of your own financial institution.

If you ever suspect the unauthorized use of your MasterCard® Check Card, or your card is lost or stolen, simply notify Incommons Bank at (254) 562-3821 during regular business hours, Monday through Friday 9:00 a.m. to 3:00 p.m. After regular business hours, weekends, or holidays, please call 1-800-264-4274. Choose extension 3.