Site Link Disclaimer 
Throughout this website we provide links to other websites or resources that are not affiliated with United Bancorp, Inc., its affiliates, or its divisional banks.  As a result, you will be leaving United Bancorp webspace and United Bancorp does not necessarily endorse the views expressed, or concur with the facts presented on these sites. Furthermore, United Bancorp, Inc., its affiliates, or its divisional banks do not endorse any commercial products or services that may be mentioned on these sites.  United Bancorp, Inc., its affiliates, or its divisional banks are not responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with use or reliance on such content, goods or services on or through any such site or resource. 
 
 
Security Statement 
At United Bancorp, Inc., its affiliates, or its divisional banks, we believe that a computer system's security is just as important as securing currency in a vault. This is why we have installed industry standard and proven security devices to protect your personal information from falling into the wrong hands. Our Internet Banking Solution utilizes routers, firewalls, Secure SSL Certificate, Secure Socket Layer (SSL) 128-bit data encryption, and Login protection to keep your information just as you want it… private. 
 
 
Router and Firewall  
Our firewall is industry standard and developed by the best-in-the-business. Our firewall filters Internet traffic to and from our Internet Banking Solution (IBS) server. The Firewall is capable of denying malicious traffic and allowing only specific traffic to the server. Requests must filter through a firewall and a router before they are permitted to reach the server. Our routers, more of the best, work in conjunction with the firewall to block and direct traffic coming to the server. The configuration restricts traffic and only permits data flow when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the Bank.  
 
 
128-bit SSL Encryption 
Our Secure SSL Certificate enables users to verify our site's authenticity and to communicate with it securely via state-of-the-art SSL encryption, which protects confidential information from interception and hacking.  
 
By utilizing 128-bit SSL IDs, we enable the world's strongest SSL encryption with both domestic and export versions of modern browsers. 128-bit SSL is the standard for large-scale online merchants, banks, brokerages, health care organizations, and insurance companies worldwide.   
 
Once an Internet Banking session is established, the user and the server are in a secured environment. Because the certificate has certified the server as a 128-bit secure server, data traveling between the user and the server is encrypted with SSL. With SSL, data that travels between the bank and the customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end users browser and creates a temporary private key. These two keys are the only two possible keys for that session. When the session is complete, the keys expire and the whole process starts over when a new user establishes an Internet Banking session.  
 
Click here for more information on SSL and Server Ids 
 
 
Login Protection 
If any unauthorized user attempts entry into an end-user's account by trying to guess a login ID, IBS will disable the password on the third incorrect attempt, thus invalidating the login combination. United Bancorp, Inc., its affiliates, or its divisional banks use a "3-strikes-and-you're-out" lockout feature to disable the password for a set time period. If an end-user accidentally activates this security feature by unintentionally keying a password three times incorrectly, the end-user would need to call the financial institution to reestablish the password for that account if the 24-hour set time period in not acceptable. Information obtained from your Enrollment Form will be utilized to authenticate user access. However, if the information in the Enrollment Form is inaccurate or outdated, a personal trip to your nearest banking office may be necessary. 
 
 
Two-factor Authentication 
Your security is our top priority! 
 
To help protect your online privacy and security from possible fraud and identity theft, a security feature has being added to improve the way you login to your online banking information. 
 
First time users will need to enroll by picking an image, write a brief phrase, and select three challenge questions. 
 
An image, something you know, called a PassMark™, and a Phrase are now in addition to your login and password. Your PassMark™ and Phrase help you to identify that you are using our website and not a fraudulent look-alike site. Here's how it works: 

  • You'll enter your Login ID and click Submit.

  • If we recognize the computer you are using, your PassMark™ and Phrase will be presented to you on the next page. Once you confirm your PassMark™ and Phrase, you'll know you can safely enter your Password. If you don't recognize your PassMark™ and Phrase, don't enter your Password.

  • If we do not recognize the computer you are using, we will ask you a Challenge Question to confirm your identity and determine if you would like us to recognize this computer in the future. If you correctly answer your Challenge Question, you can proceed with login.
  •  
    It's quick and easy! And, you can rest assured that your online banking experience has been enhanced to meet today's stringent security standards. 
     
     
    Privacy Principles 
    We have adopted the following information privacy principles: 
     
    Recognition of an Individual's Expectation of Privacy 
     
    We recognize and respect the privacy expectations of individuals and have established policies and procedures to prevent misuse of individuals’ nonpublic personal information. 
     
    What is “Nonpublic Personal Information”? 
     
    Nonpublic personal information is personally identifiable financial information such as 1) information provided by an individual on a form or application, containing sensitive information, such as social security number, tax ID, and account numbers; 2) Information about a customer's transactions, or 3)any other information that The Citizens Savings Bank has obtained about an individual which is otherwise unavailable to the general public. 
     
    Collection and Retention of Information 
     
    We collect and retain nonpublic personal information about individuals only where the Bank reasonably believes it is useful (and allowed by law) in administering the Bank's business and providing products, services, and other opportunities to the public. 
     
    Disclosure of Customer Information within the Bank 
     
    Our various employees, departments, business units, affiliates, etc. share nonpublic personal information about individual customers only where the Bank reasonably believes it is useful (and allowed by law) in administering the Bank's business and in providing products, services, and other opportunities to our customers.  For example, our New Accounts Department might inform our Marketing Department about a new customer to allow the Marketing Department to offer the new customer other products and services which might be of interest to the customer.  A customer may not “opt-out” from receiving marketing material provided by the Bank. 
     
    Disclosure of Customer Information to Non-affiliated Third Parties 
     
    In some instances it is impractical for us not to disclose nonpublic personal information to non-affiliated third parties.  Nonpublic personal information may be disclosed to non-affiliated third parties 1) to effect, administer, or enforce a transaction that an individual requests or authorizes, 2) to help administer the Bank's bona fide business, 3) at the customer's request, 4) to comply with a legal requirement (i.e. subpoena), 5) to a reputable information reporting agency (i.e. credit bureau), or 6) after the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to “opt out” whereupon that individual's nonpublic personal data would not be disclosed. 
     
    Except as indicated above, we do not currently disclose nonpublic personal information to non-affiliated third parties.  Additionally, we do not have any future plans to change this policy on disclosing data.  In the event the Bank does change this policy on disclosing data, the individual will be notified and given the opportunity to “opt out” whereupon that individual's nonpublic personal data will not be disclosed. 
     
    Whenever we do provide specifically identifiable customer information to a third-party, we insist that the third-party adhere to similar information privacy principles that provide for keeping such information confidential. 
     
    Maintenance of Accurate Information 
     
    We have established procedures so that our customer's financial information is accurate, current, and complete in accordance with reasonable commercial standards.  We will respond in a timely manner to customer requests to correct inaccurate information. 
     
    Limiting Employee Access to Information 
     
    We limit access to our customer's confidential and private information to those employee's with a legitimate business reason for knowing such information.  The Citizens Savings Bank will educate our employees about importance of confidentiality and customer privacy and will be appropriately disciplined for any failure to comply with these information privacy principles. 
     
    Protection of Information via Established Security Procedures 
     
    We have established security procedures regarding unauthorized access to customer information. 
     
    Disclosure of Information Privacy Principles to Customers 
     
    We will make these information privacy principles available to our customers so that our customers can get a better understanding of our commitment to safeguarding our customer's confidential and private information. 
     
    Special Information Applicable to Electronic (Internet) Banking 
     
    Our information privacy principles will apply to customer's confidential and private information with regard to both traditional and non-traditional (i.e. Internet) banking activities.  However, due to the unique nature of the Internet and the ease with which information can be exchanged, we feel it is important for its customers to be aware of the unique issues surrounding Internet banking. 
     
    To better serve legitimate Internet banking customers, we: 
     
  • Collect generic information about visitors to our website.  This information includes the date and time of access, the Internet service provider's address, the web browser used, and the visitor's IP address.

  • Require customers to utilize customer specific passwords and other identifiable marks to access that customer's confidential and private information.  We remind customers that it is their responsibility to safeguard their login credentials while keeping these credentials unique.  Further, commercial customers should carefully screen those employees to whom user identifications and passwords are to be granted and ensure users are not sharing their login credentials.  All Customers are encouraged to employee personal firewalls, malware protections that are kept up-to-date, regularly updating operating system software.  All customers should be vigilant when in receipt of unsolicited email and should never respond.  Customers should only enter personally identifiable information on sites that they originate.

  • Utilize encryption, firewall, router, third-party verification procedures, Intrusion Detection and Prevention, and other security software and hardware to help prevent the unauthorized eavesdropping of and access to customer's confidential and private information.

  • Utilize virus protection software through layered protection to help prevent the spread of computer viruses.

  • Utilize “cookies” and/or Out-of-Band Authentication to help authenticate our customer's identity and to help facilitate the exchange of information between The Citizens Savings Bank systems and our customer's systems.

  • Use multi-factor applications to better secure the customer's identity.

  • Remind all of our customers that links in the Bank's websites can be found to websites not under our control.  These websites will not necessarily comply with The Citizens Savings Bank's information privacy principles and security standards.

  • Remind all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities.  We can only establish policies and procedures to help restrict the use and access to confidential and private information.  If any customers believe their confidential and private information has been compromised, please contact us immediately so that the potential breach can be investigated and acted upon.

  • Remind customers to be vigilant in protecting their identity by learning more about techniques to steal their information; such as, Phishing, SMiShing, Vishing, Account Takeover, etc.

  • Remind customers that we will not send out any unsolicited emails containing links. Treat unsolicited emails as a possible threat and do not click the link. Feel free to contact us if there is any questionable content.

  •  
    Comments or Complaints by Customers 
     
    Any comments or complaints about this policy, any privacy-related issue, or any inaccuracy in customer data can be made by contacting: 
     
      The Citizens Savings Bank 
      Attn:  Privacy Officer 
      201 S. Fourth Street 
      P. O. Box 10 
      Martins Ferry, OH  43935 
      Telephone: (888) 275-5566 extension 7347 
      E-mail: privacy 


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