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Security Information

Just How Secure Is It?

Vancity Online Business Plus ensures that your personal and financial information is handled with care. Any personal or transactional information transmitted between you and our Internet banking system is secure and cannot be read by anyone else. While using the Online Business Plus site the integrity of your account information is guaranteed. Transactions from your computer to our system are received without alteration. A process called encryption is used to achieve security.

How Is Security Achieved?

Access to our member services, financial systems, and databases is strictly managed. Technological and procedural systems are in place to ensure security is not breached. This includes physically securing all of our computer hardware and telecommunications systems. All data is transported using encrypted channels.

What is encryption and how does it work?

Encryption is the process of scrambling data into an unreadable format. It is more secure to transmit encrypted data over the Internet. In the case of the Online Business Plus site, data is sent by your browser through an encrypted channel to our secure systems where the message is safely received.

Some browsers can create a more secure channel than others, owing to the 'strength' of their encryption. To safeguard your personal and financial information, we only use the strongest channel available-referred to as 128-bit SSL or Secure Socket Layer. If you have a browser that only supports 'weaker' encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site.

What is the difference between 40- and 128-bit encryption?

Encryption and decryption is accomplished using a complex mathematical formula called an algorithm. An encrypted message cannot be read unless you have the formula or 'key' to unscramble the message. The longer and more complex the 'key' is, the stronger the encryption. The 40 and 128 refer to the length of the key. Since 128 is longer, than 40, it is more secure.

But don't let the relatively small difference in the size of the key fool you. According to VeriSign, 128-bit encryption is trillions of times stronger than 40-bit encryption.

Protect your Personal Access Code (PAC)

Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected.

In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the online banking "key" -your Personal Access Code (PAC)- ensures that only you can access your accounts.

It is your responsibility to ensure that your "key" to the Online Business Plus site is protected. Please observe the following security practices:

Protect The Information On Your Computer

While we have provided a secure channel for our Members to communicate with us, once the information has reached your computer it's up to you to protect it. To protect your information, you should:

To learn more about browser security, please visit the Mozilla and Microsoft web sites. To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web site before Online Business Plus we recommend you close your browser and restart it before proceeding to Online Business Plus

How Have We Met Our Responsibilities?

We ensure your personal and financial information is protected within our Online Business Plus banking service, financial systems, and databases.

We ensure your personal and financial information is protected while in transit between your computer and our server through the use of industry standard security techniques, which include Secure Socket Layers (SSL) and encryption.

Encryption ensures that information in transit between your computer and our server cannot be read (private and confidential) or changed (integrity).

We ensure that only individuals who provide the correct PAC can access your account information.

For more information on the specific policies and practices that we use to safeguard your personal and financial information, please click here to view our Privacy information .

© All Rights Reserved Vancity Savings Credit Union, 2002.

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