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Online Security

Central Bank understands that the security of your personal and account information is important to you. We also understand that our continued success as a financial institution relies on both our ability to offer banking services to you in a secure manner as well as your responsibility in keeping any access codes, passwords or PINs secure. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information as it traverses the Internet between your internet access device and Central Bank.


Log-In Protection for the End User

Every end user must privately maintain a combination of a password and Log-In ID. Because the end user is assigned the original password by the bank administrator, IBS (Internet Banking System) forces the end user to change the password once logged onto the system and before any transactions can be requested. This forces the end user to establish an absolutely private password. If, in case the password is lost or forgotten, users may utilize the Password Reset Option as shown below.  You may also call a Central Bank representative and request a password reset.    A confirmation of your identity will be made prior to all password resets. In addition to the Log-In ID and password, multifactor authentication is used to further secure the OnLine Banking application.    New users are presented with 3 sets of 10 random challenge/response questions. To authenticate, a user must choose one of the ten questions randomly selected in each set. This collection process sets the stage for future authentication based on patterns of use. If a user forgets their challenge/response question, they can choose to get a reminder via e-mail or an alternate option. These are not known to the bank.


Effective WEDNESDAY, MARCH 14, 2012, additional security features will further protect your Online Banking access. On or after this date, when you login, you will be prompted to select a "Watermark" or personal image from hundreds of images available. This image will then always display during your login process and on each page of your Online Banking access. This image will ensure that you have logged into a legitimate Central Bank Online Banking site and not a fake site used by fraudsters to steal your Online Banking credentials or personal information. Should you not see your selected image during your login process, you should discontinue the login process and call a Central Bank Customer Service Representative immediately. During this time you may also be selected to re-establish your three (3) security questions. If you are a Bill Payment customer and you initiate payments of $1,000 or higher, you will automatically be challenged by your security questions. If you have any questions regarding these additional security features, please call us at 417-532-2151.


Password Reset Option

In the event that you need a password reset, you will be presented with a PASSWORD RESET button to select to automate the reset. TO BE PREPARED for a password reset event, you must FIRST do the following:

Log in to Online Banking with your User ID and password.

Select the OPTIONS tab.

Enter your current e-mail address
Enter a PIN Reset Question
Enter a PIN Reset Answer

These questions must be answered before an automated Password Reset can be made available.
When the PASSWORD RESET option is used, you will be presented with the PIN reset question and answer. A new password will be provided to you via the e-mail address you provided in the Personal Settings.

Otherwise, it will be necessary to call a Central Bank representative during normal banking hours at 417-532-2151.


End User Security

In the world of Online Banking, home user security cannot be stressed enough. As an end user, it is very important to take precautions to secure the use of your PC or laptop. The links provided below are good resources for home user security to help you get started:






Three (3) Strikes and You're Out

If an unauthorized person attempts entry into an end user’s account by trying to guess a Log-In ID, IBS will disable the password on the third incorrect attempt, thus invalidating the Log-In combination. If you accidentally activate this security feature by unintentionally mis-keying a password three times, you may utilize the Password Reset option or call Central Bank to reestablish the password for that account. For example, a common mistake made by the end user is having the CAPS-LOCK on while keying in a password.

To further protect you, a timeout feature is used. This feature will automatically log you out of your current financial service session after 10 minutes of inactivity.

Central Bank also requires the use of secure browsers to protect you while you access our online financial services. More specifically, the personal and account information that flows back and forth between your internet access device and Central Bank must be encrypted while in transit – secure browsers are how we achieve this level of protection. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. When used between you and Central Bank, this technology encrypts your personal information as you send it to us, which only Central Bank can decrypt. Likewise, when we send personal or account information to you, this technology encrypts it, which only you can decrypt. This is possible through a certified 128 bit secure server so that no unauthorized individuals can read or decipher the data.

Our server does not connect directly to the Internet. It is isolated from the network via "firewall". All requests to the server are filtered through a router and firewall before they are permitted access to the server. A router is a piece of hardware that works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The router and software "firewall" define and limit access that "outside" computers have to Central Bank’s server. The configuration begins by disallowing ALL traffic and then opens only when necessary to process acceptable data requests, such as sending customer requests to Central Bank.

Effective December 15, 2011, Online Banking will support the current and prior major releases of Internet Explorer, Firefox, Safari (Apple/MAC users only) and Chrome on a “rolling basis”.  Each time a new version is released, the new version will be updated and support will cease on the third-oldest major version.

Support of Internet Explorer 8.0 (IE8) within Online Banking will cease effective June 26, 2014.   It is highly recommended that you take the necessary steps to upgrade your browser as soon as possible.  IF, you are still using Microsoft XP as your current operating system, it is also advised that you upgrade to a new supported operating system as Microsoft ended support of XP on April 8, 2014.   XP systems will not support an upgrade to Internet Explorer beyond IE8.

Online Banking users who utilize XP/IE8 will still be able to log in to Online Banking, but will experience limited functionality.  Users will not be blocked from accessing Online Banking at this point, however when Microsoft discontinues support of IE8, access would most likely be blocked when that occurs. 

Older browsers can continue to be used, but users may experience issues using certain features or be unable to access at all. It is recommended to maintain your specific browser at the most current release to avoid any potential problems. To download the latest version of your browser, click on one of the links below:

Internet Explorer - visit Microsoft Internet Explorer Home Page for a free download (http://www.microsoft.com/windows/internet-explorer/default.aspx)

Firefox - visit Mozilla Firefox Home Page at (http://www.mozilla.com/en-US/firefox/ie.html) for a free download.

Safari Version - visit Safari Home Page for a free download (http://support.apple.com/downloads/#internet) …5.1.7 release of Safari resolves existing login issues.

Google Chrome –  updates - https://support.google.com/chrome/answer/95414?hl=en






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