Security & Policy



ISTDBK is pleased  to offer internet  banking. Delivering these  services requires a solid security framework that  protects  you and  our institution's  data  from outside  intrusion. We are committed to working with our internet  service and communications providers to produce  the safest operating environment possible for our customers. The information  below summarizes  our security framework, which incorporates  the  latest  proven technology. A section at the end also summarizes your responsibilities as a user of the internet  banking system with regard to security. There are several levels of security within our security framework. User Level deals with cryptography  and  Secure Sockets Layer (SSL) protocol,  and  is the  first line of defense  used  by all customers accessing our Banking Server from the public Internet. Server Level focuses on firewalls, filtering routers, and our trusted  operating system. Host Level deals specifically with our internet  banking and the processing  of secure financial transactions.


User Level

There are several components of User Level security that  ensure  the confidentiality of information sent across the  public  Internet. The first requires  your use  of a fully SSL-compliant 128 bit encrypted  browser  such  as Netscape  Navigator or Microsoft Internet Explorer. SSL  is an  open  protocol  that  allows a user’s browser  to establish a secure channel for communicating with our Internet server. SSL utilizes highly effective cryptography techniques between your browser  and  our server to ensure  that  the  information  being  passed  is authentic, cannot  be deciphered, and has not been  altered  en route. SSL also utilizes a digitally signed  certificate which ensures  that  you are  truly communicating with  the  Online Banking Server and  not  a third  party  trying to intercept the transaction.


After a secure connection  has been established  between your browser and our server, you then provide a valid User ID and Security Code to gain access to the services. This information  is encrypted, logged  by the server forming another  complete  physical security layer to protect  the server's information, and a request  to log on to the system is processed. Although SSL utilizes proven cryptography  techniques, it is important  to protect  your User ID and Security Code from others. You must follow the Security Code parameters we specify at the time you sign up for an Internet banking account. We also recommend changing  your Security code often. Session time- outs and a limit on the number  of logon attempts are examples of other security measures  in place to ensure that inappropriate activity is prohibited  at the User Level.



Server Level

All transactions  sent  to our Banking  Server must  first pass  through  a filtering router  system.  These  filtering routers  automatically  direct the request  to the appropriate server after ensuring  the access type is through  a secured  browser and nothing  else. The routers  verify the source and destination of each network packet, and manage  the authorization  process of letting packets through. The filtering routers also prohibit all other types of Internet  access  methods at  this  point.  This  process  blocks  all non-secured  activity  and  defends   against inappropriate access to the server.


The  Banking  Server  is protected using  the  latest  firewall platform.  This platform  defends  against  system intrusions  and  effectively isolates  all but  approved   customer  financial requests. The platform  secures  the hardware running the Online applications and prevents  associated  attacks against all systems connected to the Banking Server. The system is monitored  24 hours a day, seven days a week for a wide range of anomalies  to determine if attempts are being made to breach our security framework.


Host Level

Once authenticated, the customer is allowed to process authorized internet banking using host data. In addition, communication time-outs  ensure  that  the  request  is received, processed, and  delivered  within a given time frame. Any outside  attempt to delay or alter the process will fail. Further password  encryption  techniques are implemented at the  host level, as well as additional  security logging  and another  complete  physical security layer to protect the host information itself.



User Responsibilities

While our service provider continues  to evaluate  and implement  the latest improvements in Internet security technology, users of the online banking system also have responsibility for the security of their information and should always follow the recommendations listed below:


  • Utilize the latest 128 bit encryption version of either Netscape Navigator or Microsoft Internet Explorer.

The online banking system is best viewed and is most secure when you use one of these two browsers, as they are both certified for use at our site.

  • Your Security Code must be kept confidential. You must follow our specific parameters for a Security

Code and change it frequently to ensure that the information cannot be guessed or used by others.

  • Be sure others are not watching you enter information on the keyboard when using the system.
  • Never leave your computer unattended while logged  on to the  online banking  system.  Others  may approach  your computer  and gain access to your account information if you walk away.
  • Click Log out when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
  • Close your browser  when  you  are  finished,  so  that  others  cannot  view any  account  information displayed on your computer.
  • Keep your computer free of viruses. Use virus protection  software to routinely check for a virus on your computer. Never allow a virus to remain on your computer  while accessing the online banking system.
  • Report all crimes to law enforcement officials immediately.
  • You are responsible for keeping  your own computer  secure from outside  intrusion when you are not connected to our online banking system; if there is such as intrusion and your confidential information is compromised (such as your User ID and Security Code are stolen) the Bank is not responsible  for any loss that occurs to your accounts.


When you follow these  simple  security  measures, your interaction  with the  online  banking  system  will be completely confidential. We look forward to serving your online banking and bill payment needs both today and into the future - securely!