Online Banking Security

At Independent Bank of Texas, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.


Computer Protection

  • Install anti-virus and desktop firewalls
  • Ensure all security patches are up to date for operating systems and applications
  • Update anti-malware software and firewalls
  • Be aware of web surfing activity and consider installing web filtering software
  • Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails.
  • Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one.
  • Only visit sites and click on links from trusted websites
  • Only use trusted devices or computers when accessing your bank accounts
  • Never give your password, SSN, or banking information in response to an email request
  • Be aware of changes to login pages and areas where you enter credentials
  • Only use wireless networks you trust
  • Change your password often
  • Use strong passwords; don't share passwords; protect passwords
  • Log off or sign out of accounts when done

Web and Electronic Communication

  • We will never ask for or send you an email requesting your online banking password. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns.


Online Banking Security

  • Encrypted online banking website
  • Multi factor authentication
  • Timeouts after a period of inactivity
  • Required password change every 90 days

In case of errors or questions about your electronic transfers, call or write us as soon as you can. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors are covered by Regulation E.