Online Security

Security is a priority at Banesco USA. We are committed to protecting the security and confidentiality of your personal and financial information. We use a combination of state-of-the-art technology and methods to help protect your security. Additionally, our comprehensive security program brings you the products, services and account features you need to protect yourself and your business from fraud and identity theft.

How We Protect You

The Internet Banking Service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Prior to activating your access to the Internet Banking Service, our Internet Banking Department will verify your identity and authorization against information associated with the Eligible Account (s) that you request to be linked to the Internet Banking Service.

Access IDs and Passcodes – One of the main security features protecting the Internet Banking Service is the unique combination of your Access ID and Passcode. During the enrollment process, you will be asked to select a unique Access ID and Passcode. For security purposes, do not use your account number or social security number as your Access ID. Encryption and access controls are used to protect your Passcode within our database. If you need to reset your Passcode, you may use our online automated Passcode reset feature or you may contact us for assistance.

Encryption – The Internet Banking Service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using Internet banking. Your browser automatically activates this technology when it attempts to connect to our Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement.

Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

Certificate Authority – The servers hosting the Internet Banking Service have been certified by a certificate authority to assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it’s valid.

Cookies – During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer’s hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or “permanent” cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service.

Multi-Level Authentication – We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.

How You Can Protect Yourself

Because your Passcode is used to access your accounts, you should treat it as you would any other sensitive personal data.

  • You should carefully select a Passcode that is difficult to guess.
  • You should not use words based on your name, address or other personal information.
  • Special characters may be used to increase security.
  • Do NOT use dictionary words.
  • Keep your Passcode safe.
  • Memorize your Passcode and do NOT write it down.
  • You should also change your Passcode occasionally, such as every 90 days.
  • Passcodes should not be shared with anyone, even Authorized Users.
  • The “Help” link within the Internet Banking Service will offer tips on choosing a secure Passcode that you can remember.

Neither this Institution nor its Service Providers will contact you by telephone, email or text messaging requesting personal information, such as your Access ID, Passcode, credit card number, Debit Card Number or Debit Pin. If you are contacted by anyone requesting this type of information, do not provide any information and contact our internet banking department immediately.

All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. Refrain from using public computers (e.g. computers in a library, Internet café or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured.

Always keep your computer’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Internet Banking Service.

Always keep your anti-virus and anti-spyware software current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or unrepaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers.

Always use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem.

If you use a wireless Internet connection to access your online accounts, make sure that the wireless network is encrypted.

Never share your Access Id or Password with anyone.

Don’t click on links in e-mails you receive requesting personal or financial information. These e-mails may appear “official” but may be part of a “Phishing Scam” designed to download malicious software (malware) onto your computer to steal personal data. The links on these e-mails may send you to fake sites.

Be wary of e-mails that announce there is a problem with your account. Banesco USA does not send these types of notifications. Contact us if you receive e-mails regarding your account.

Children’s Information

We respect the privacy of children and comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. To know more about our approach to privacy, we encourage you to refer to our Privacy Statement.

Caution: By clicking on the links below you will be leaving Banesco USA secure website.

Federal Trade Commission:

FDIC Consumer Alerts:

PO Box 105069
Atlanta, GA 30349-5069

To order a report: (800) 685-1111
To report fraud: (800) 525-6285

PO Box 2002
Allen, TX 75013-0949

To order a report: (888) 397-3742
To report fraud: (888) 397-3742

Trans Union
PO Box 1000
Chester, PA 19022

To order a report: (800) 916-8800
To report fraud: (800) 680-7289



Horario de Preferencia (Hora USA EST):
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Responderemos de lunes a viernes entre las 9:00 am y las 5:00 pm.