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About the Bank

Privacy & Security

Privacy Policy

Flash Content

We pride ourselves on maintaining confidential information with the utmost respect and integrity.

Email

If you send an e-mail message to the bank, we may retain the content of your message and your e-mail address in order to respond to your question or concern. We cannot guarantee the security of regular e-mail; therefore we request that you do not use e-mail to report unauthorized transfers from your account, or to send any other information of a confidential nature, including account numbers, social security numbers, and other personal information.

Although Walpole Co-operative has taken these measures, and uses advanced technology to implement security features and control programs to ensure that your personal information is secure, we cannot guarantee that the nonpublic personal information you provide will not be intercepted and decrypted by others. We are not liable for any breaches of security that may occur beyond our control.

Phishing & Pharming

With continued advances in technology, the types of transactions you can complete online today are endless. However, the increase in online transactions also increases the possibility of online identity theft. Two of the most common methods for fraud via the internet are phishing and pharming.

Phishing: Phishing can lure an unsuspecting consumer to divulge personal information to a fraudulent website. The phisher sends an e-mail purporting to be from a legitimate bank or business. The consumer is instructed to click on the supposed business’ link to verify personal account information. The message often describes a problem with an account that the victim feels needs immediate attention. During the process the victim may disclose a personal password or PIN and the phisher now has personal data to access the victim’s accounts or commit other identity theft.

Pharming: Pharming is a more sophisticated method because it is not necessary to click on a link or open an attachment; just opening the e-mail message does the damage. The e-mail message contains a virus that will hijack the victim’s browser without his knowledge. You then type a legitimate website into the address bar of a browser, and the virus redirects you to a fake website. Although you entered the website address into the browser yourself, and the site appears to be identical to the site you are accustomed to doing business with, you have actually been redirected to a different site, set up by the pharmer. You enter in your identifying information, such as passwords, PINs or account numbers, and unknowingly submit it to someone waiting to steal your identity. In this scenario, since you typed the address yourself and the website has the same appearance as it usually does, it is unlikely that you will know that you were directed to a different website.

Awareness is the key:

  • Always install anti-virus and anti-spyware software on your computer, and keep it up to date
  • Never use links in an e-mail to get to a web page
  • Always be suspicious of an e-mail with requests for personal information; legitimate banks and business sites will never contact you by e-mail and ask you to update your account, password or other personal information
  • Never open an e-mail if you don’t know who it is from

Taking the Extra Step

How you can help us protect your confidential information:

  • Never disclose your account number, social security number or financial data to anyone by phone or e-mail. Only provide information when you initiate the call and know the person or company you are dealing with.
  • The Bank or any state or federal financial agency would never contact or e-mail a consumer requesting important personal information such as your name, social security number, account number, password or other information. If you receive suspicious phone inquiries or e-mails of this nature please notify us immediately. The best defense against unauthorized access to your accounts is to protect your password. Never disclose your password to anyone. Do not carry it in your wallet, or write it on your computer or anywhere where it may be easily found.
  • Do not leave your computer unattended when using the online service. Log off any application when you finish using them.
  • Do not use common names, words, dates or numbers for passwords. i.e. do not use your name, birth date, social security number, words like computer, password, or words found in the dictionary.
  • Review your monthly bank statement(s) and credit card statement(s) for accuracy as soon as you receive them.
  • Never discard financial statements, ATM receipts, credit card receipts, debit cards, unsolicited credit cards received in the mail, before physically destroying them, i.e. shredding, cutting, burning, etc.

If your purse or wallet is lost or stolen, or if you feel that you have been a victim of identify theft, notify the bank immediately and file a report with your local police. We will close your existing accounts and access cards, open new accounts and issue new ATM and Debit cards. Report the loss of credit cards to the credit bureaus.

The three major credit bureaus are:

* Equifax
* Place a fraud alert 888-766-0008

* Experian
* Place a fraud alert 888-397-3742

* TransUnion
* Place a fraud alert 800-680-7289

Under the Fair and Accurate Credit Transactions Act (FACT Act) all consumers are able to obtain a free copy of their credit report on an annual basis. You may order your free reports from all three bureaus by calling Toll Free 1-877 FACTACT (322-8228), or on the web at http://www.annualcreditreport.com

This Privacy Policy updates any previous notice from Walpole Co-operative Bank. We reserve the right to revise this policy at any time to reflect changes in the law or our policies. You will receive a revised copy of our Privacy Policy whenever a change is implemented.

We value your trust and confidence in Walpole Co-operative Bank. If you have any questions or concerns about protecting your personal financial information, please call 1-800-431-3340 or stop by our office and speak to a customer service representative.

This is your Bank!

For more information about our products or services, please use our information request form or give us a call at (508) 668-1080.

Rev: 03/2013