Privacy and Security

Your Online Banking payments and transfers will be indicated on the monthly or quarterly statements we provide. Please notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.

If you believe your Online Banking credentials or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at 1-888-287-4094 Toll Free or locally at 573-334-1010 during normal business hours. After hours you may e-mail us at alliancebankcs@alliancebanking.com, or write us at Southeastern Mutual Trust, 217 N Kingshighway, Cape Girardeau, MO, 63701. Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations. We will send an e-mail back to you as confirmation that we did receive it. Because e-mail is not secure, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we will need. If you have given someone your Online Banking credentials and want to terminate that person’s authority, you must change your username and password or other means of access or take additional steps to prevent further access by such person.

You may terminate your Online Banking Agreement at any time upon giving Bank written notice of the termination. If you terminate, you authorize us to continue making transfers you have previously authorized until we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your Online Banking Account. If we terminate your use of your Online Banking Account, we reserve the right to make no further transfers of payments from your account including any transactions you have previously authorized.

You are responsible for all transfers you authorize using the Online Banking services under this Agreement. If you permit other persons to use your Login information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Login information and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. If your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days of the mailing date of your statement, you may be liable for the full amount of the loss if we can prove that we could have prevented the unauthorized transactions if you had told us in time. Should some emergency such as extended travel or hospitalization prevent you from contacting us, a reasonable extension of time will be allowed.

In case of errors or questions about your Online Banking transactions, telephone us at the phone numbers or write us at the address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

• Tell us your name and account number.
• Describe the transaction you are unsure about, including the transaction confirmation or reference number if applicable, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

The following two paragraphs apply only to consumer accounts (an account belonging to a natural person and used primarily for personal, family, or household purposes)

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account.

If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

• Southeastern Mutual Trust will never contact any customer and request your electronic online banking credentials. If you get a call asking for your credentials, hang up and call us!
• If you are an Southeastern Mutual Trust commercial online banking customer we suggest you periodically evaluate the possible risks to your account. Some key areas to check are:
  • Who has access to the online banking PC and user credentials?
  • Is (Are) the online banking PC or PCs secured after normal business hours?
  • Do you have up-to date anti-virus and anti-malware software on the PC?
  • How often do you change the online banking passcode and how many users know the passcode?
  • Is there an active firewall on your PC?

If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss or property damage, whether caused by the equipment, software, Southeastern Mutual Trust, or by online browser providers such as Netscape (Netscape Navigator browser), Google (Google Chrome) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Neither we nor the service providers will be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Southeastern Mutual Trust Online Banking services or Online Browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Southeastern Mutual Trust Online Banking Services and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusions or limitation of such damages, our liability is limited to the extent permitted by applicable law.

Additionally, Southeastern Mutual Trust will not be liable for the following:

• If, through no fault of ours, you do not have enough money in your account to complete a transaction, your account is inactive or closed, or the transaction amount would exceed the credit limit on your line of credit.
• If you used the wrong Login information or you have not properly followed any applicable computer, Internet, or Southeastern Mutual Trust user instructions for making transfer and bill payment transactions.
• If your computer fails or malfunctions or the Online Banking service was not properly working and such problem was or should have been apparent when you attempted such transaction.
• If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you. If circumstances beyond our control (such as fire, flood, telecommunications outages or strikes, equipment or power failure) prevent the transaction.
• If the funds in your account are subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud.
• If the error was caused by a system beyond Southeastern Mutual Trust’s control, such as a telecommunications system, or Online service provider.
• If you have not given Southeastern Mutual Trust complete, correct, or current information so Southeastern Mutual Trust can process a transaction.

Block cookies on your Web browser
When you ‘surf’ online websites, hundreds of data points are being collected by the sites you visit. These data points get mashed together to form an integral part of your “digital profile,” which is then sold without your consent to companies around the world. By blocking cookies, you’ll prevent some of the data collected about your user profile. You will have to enter your online passwords more often, but it’s a smarter way to surf the web.

Don’t put your full birth date on your social-networking profiles
Identity thieves use birth dates as cornerstones of their craft. If you want your friends to know your birthday, try just the month and day, and leave off the year.

Don’t download Facebook apps from outside the United States
Apps on social networks can access huge amounts of personal information. Some unscrupulous or careless entities collect lots of data and then lose, abuse, or sell them. If the app maker is in the U.S., it’s probably safer, and at least you have recourse if something should ever go wrong.

DO NOT USE public Wi-Fi hotspots to access Online Banking
Criminals and hackers are able to set up fake Wi-Fi hotspots that look legitimate. When you login to the fake network, they are able to access personal information or download malware onto your device without the consumer knowing.

Use multiple usernames and passwords
Keep your usernames and passwords for social networks, online banking, e-mail, and online shopping all separate. Having distinct passwords is not enough nowadays: if you have the same username across different Web sites, your entire romantic, personal, professional, and e-commerce life can be mapped and re-created with some simple algorithms. It’s happened before.

Southeastern Mutual Trust strives to exceed expectations regarding your privacy and security, as both are very important. We won’t store personal or financial information on your mobile device and will not use your camera or contact lists for any purpose. All wireless communications are securely encrypted using the industry standard.