What is online identity protection?

Great question! Offline security is critical to helping you protect your identity. While online security remains an important and current issue, the majority of identity fraud continues to take place offline.

Following simple guidelines for offline activities can help you protect your privacy and your identity:

• Lock your mailbox. Don’t leave mail in your mailbox longer than necessary – especially if your mailbox doesn’t lock. Also, have the post office hold your mail if you’re traveling, and monitor your mail closely to notice if bills don’t arrive as expected or if you receive unexpected credit cards or a mysterious account statement.
• Don’t give out your private information. Be careful where you share your phone number and Social Security number (and keep your Social Security number in a secure place at home), and ask solicitors or other businesses for their phone number so you have control over communications. It’s also important not to give out personal information in other areas, especially with surveys.
• Copies aren’t necessary. Know your rights regarding copies of your driver’s license. Business transactions, like checking in to a hotel, don’t require a copy of your driver’s license.
• Take advantage of free annual credit reports. Credit reports contain information about your accounts and your bill-paying history. Major nationwide consumer-reporting companies are legally required to provide free copies of your credit reports. Review your credit report each year for accuracy.
• Shred, shred, shred. Shred bills, bank statements, pre-approved financial solicitations and other confidential materials before discarding them.

Absolutely not! Your account information is just as secure as it is at your physical brick-and-mortar bank location. We take the security of our system seriously, and deploy standards and encryption methods to ensure your information stays protected.

Filling out applications online is as secure as our online banking system! We use 128-bit encryption technology to protect your username, password and other personal account information when you're using our online applications. 

Encryption is a way to rewrite something in a code that can then be decoded later with the right key. The encryption we use employs a mathematical process that involves 128 bits. While using our online banking, all communication between you and our system is encrypted.

It sure is! The Gate City Bank mobile app uses multiple methods to guard against malicious access to your account information, including:

• Login authentication to verify your identity via password-protected access, biometric or fingerprint scan or passcode entry (especially when attempting to access your account from a new device).
• Account data and passwords aren’t stored on your mobile device.
• Closing the app will end your mobile banking session to prevent unintentional data sharing.