Your online security is of the utmost importance to us. Learn how to stay safe.

Since banks began offering account access online, fraudsters have continued to develop and deploy more sophisticated, effective and malicious methods to gain unauthorized access to online bank accounts.  As your trusted financial institution, we've included some tips to ensure your information remains protected.

Tips & Reminders:

  1. Guilford Savings Bank will NEVER contact you by phone, e-mail, or any other means to ask you for your online banking login credentials.  
  2. Never provide your personal information in response to an unsolicited request by anyone, no matter how official the request may appear.
  3. Use a complex password for online banking and change it every 30 days.  A complex password consists of a mix of uppercase and lowercase letters, numbers, and special characters.  Passwords should be something not easily associated with you, such as a spouse or pet's name, and should not be something easily found within your wallet.
  4. Ensure you have up-to-date anti-virus and malware protection installed on your device.  Regular updates should be downloaded as they become available.
  5. Review who has access to your accounts regularly, as well as the permissions that tell you what they can do when they log in.
  6. Make sure no one other than yourself ever has access to any of your multi-factor authentication devices.  These devices are often an e-mail address or telephone used to deliver a one-time passcode when you log in from an unrecognized device.

For Consumers:

Consumer accounts are protected against certain losses under federal regulations.  These regulations establish the basic rights, liabilities and responsibilities of consumers using electronic funds transfer services.  These regulations apply to consumer accounts only.  Please refer to our Electronic Funds Transfer Agreement for more information.

For Businesses:

Under federal regulations, business accounts do not have any protections against unauthorized electronic funds transfers.  Business account holders are encouraged to check their accounts daily for unauthorized activity and immediately report it to the Bank.

Business customers utilizing Wire and Automated Clearing House (ACH) services should discuss additional security measures with their banker.

Additional information can be found via the Federal Trade Commission's consumer website for online safety, Consumer.FTC.gov.


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