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Security Policies

The collection, storage and sharing of customer information is an important part of delivering useful banking products and services to our customers. To serve you, as a consumer, efficiently and conveniently, American Enterprise Bank has to make use of modern technology and customer information. Because we are committed to protecting your privacy and security, we have established the following policies to provide guidance in our dealings with consumers:

Your Security and Protection When Online

It is of utmost importance to us that your personal information is protected when you are on our website. We go to great lengths to make sure that your transactions are confidential and secure. AEB is continuously evaluating its security systems to insure that the Bank provides the latest and most secure levels of privacy and security that are appropriate for our customers.

Your User ID and Password

The most important way of protecting your Online Banking transactions is by your self-selected User ID and Password. Be sure to keep them a secret. Memorize them and, if you need to maintain a written record of the codes, it is recommended that you store them away from your computer in a secure place and not in your wallet or purse. Always make sure that no one is watching you enter the information and always log off the AEB Online Banking website whenever you are away from your computer (click the log out button). If your computer is left unattended and the browser is running with your User ID and Passwords entered, anyone can gain access to your accounts. It is recommended that you change your Password often and do not use simple words or numbers in sequence. It is recommended that you use upper case and lower case numbers and letters and use symbols that are unique to you. Stay away from obvious words and numbers, like a family member’s birthday or name.

Browser Protocol

There are currently two types of secure browsers that are available to consumers. One is a 40-bit encryption browser and the other is a 128-bit encryption browser. The 128-bit encryption browser has a higher level of security. You can test your browser to determine which level you have.

Encryption, Firewalls, and Other Protection

All personal and account information that passes between your computer and AEB Online Banking is encrypted. This means that, while your information is in transit, it is scrambled so that only American Enterprise Bank’s computer equipment can reassemble it to its original text format. When AEB sends personal account information to you, it is also encrypted so that only your computer can decipher it and reconstruct the data transmitted.

There are also internal procedures in place within the AEB Online Banking system that include a system of filtering routers and firewalls. Filtering routers verify the source and destination of each transaction while firewalls shield the Bank’s customer service network from outside sources. These two systems then protect the Bank’s internal accounts from illegal outside access while keeping the structure of the Bank’s internal networks invisible to outside observers.

To simplify your online experience with us, we may place a “cookie” on your personal computer while you are visiting our website. You have our assurance that we do not use cookies to record information that will enable anyone to contact you via telephone, e-mail, or regular mail.

Internet Privacy Frequently Asked Questions

What are cookies?

A cookie is a file sent from a website to your computer's hard drive that is logged on to the site. This file allows the site to recognize whether the computer has been there before and what security requirements and browser preference the computer requires. Only the site that sent the cookie can read the cookie, and only information that has been given directly by the logged-on user to the site is accessible. Computer viruses cannot be transmitted through cookies.

Do I have to accept cookies?

You, as a customer, can choose not to accept cookies. You may do this by making the appropriate selection from your browser options. Please understand, however, that certain services require cookies for effective delivery. Whenever this is the case, you will be informed that you will need to allow cookies if you wish to receive the service. Cookies also make your visit to a site simpler by keeping you from having to re-enter your password every time you change pages within a secure session.

Phishing

Phishing refers to a person or a group of cyber-criminals who create an imitation or copy of an existing legitimate web page to trick users into providing sensitive personal information. Responding to phishing e-mails puts your accounts at risk. American Enterprise Bank and its subsidiaries will never solicit information via e-mail that would seek to have customers verify their usernames, passwords, account information, or other personal information.

Please report any phishing attempts involving American Enterprise Bank to contactus@aebank.net.

For more information contact your local AEB branch, or click here to contact us via email.

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