Security of your online banking is important to you, and us. There are many proactive steps that you as the customer can take to help protect yourself. Below are some of the common questions we hear, and a little information to help you with online banking. Our experienced staff is always willing to help when you have questions, feel free to give us a call at the contact information listed below.
Our internet banking includes Secured Socket Layer (SSL), 128 bit encryption software, and the use of passwords and firewalls to protect and screen all data entering the host computer. Additionally we perform monitoring for unusual or suspicious transactions.
As a consumer you have certain rights under Federal Regulation E-EFT (Electronic Fund Transfers). The rights that you have as a consumer are a right to error resolution, as well as limited liability for unauthorized transfers if we are notified within the established guidelines. Under the regulation you are not covered in cases of negligence on your part. If you have any questions in regards to your liability on fraudulent transactions feel free to contact us. (References above are not intended to be all inclusive. For references to the full rights refer to the disclosures provided to you at the time you opened your account.)
While we work hard to ensure that your information is secure, it is equally important for you to take prudent steps in securing your information as well. Some steps you can take to help include:
- Make sure all passwords are secure and never share them.
- Never disclose personal information over the phone or through email
- Log off of your banking session, and close all browsers when finished with online banking; be especially careful when using public computers.
- Do not open emails from an unknown sender. (OakStar will never request personal information through emails.)
For our Commercial Customers:
- We recommend that you clearly establish roles, controls, and responsibilities within your organization to handle the financial aspects of the business.
- Perform risk assessments and test controls for areas where there may be potential for fraud within your own organization.
If OakStar Bank suspects fraudulent activity on your account we may contact you. If you are contacted a customer service specialist may ask a few questions to ensure your access to the account, however, we will never ask for your account number or full social security number.
You will never receive any emails from OakStar that request personal information. If you receive any suspicious emails, or phone calls that request this information, do not provide any information and report this to the bank at the number below.
Please call us if you ever have any questions about your online account or if you suspect there are fraudulent transactions, or any suspicious activities. During normal business hours we can be reached at 417-877-2020.
To report a lost or stolen debit card you may contact us 24 hours a day at (800)791-2525.
By clicking on the links below you will be leaving OakStar Bank’s website. The information used on these sites may not necessarily reflect the opinion of OakStar Bank, we make no endorsement of these sites or organizations and do not assume responsibility for the information or any use you may make of this information.
Federal Trade Commission- Online Protection Tips and Advice
Office of the Comptroller of the Currency – Answers & Solutions for Customers of National Banks
Federal Trade Commission – Fighting Back against Identity Theft
Missouri Attorney General