Security Statement
Mascoma Savings Bank works hard to ensure the safety and soundness of our customers' information. We utilize the latest technological security methods to provide our customers a secure environment. We require the use of secure browsers that utilize encryption techniques to access account information and perform transactions. Secure browsers employ Secure Sockets Layer (SSL) technology to communicate with servers. This technology encrypts—or scrambles—your account information so it's extremely difficult for anyone other than Mascoma Savings Bank to read it.

Security Education
At Mascoma Savings Bank, security is important to all of us. Part of security for our customers is providing them with the information and education about possible security threats. There are many different scams. We encourage our customers to ask questions of branch personnel and to immediately report suspicious activity. When a customer has knowledge of a scam, such as phishing, we want them to pass the information to their friends and family.

Log-In Protection
Every customer must privately maintain a combination of a password and Log-In ID. Because the customer is assigned the original password by the bank administrator, NetTeller forces the customer to change the password once logged onto the system and before any transactions can be requested. This forces the customer to establish an absolutely private password. If the password is lost or forgotten the administrator will be able to reset a default password for the customer once Mascoma Savings Bank has confirmed the customer’s identity.

Protect Your Identity
Never reveal your PIN to anyone. Never write it down where anyone can find it or figure out what it is. Change your PIN often, and be sure that you do not use common words that can be found in a dictionary, or numbers in a series. Try using birthdays combined with pet names, or sports teams combined with a birthday for example. Never access the banking site from a computer that an un-trusted individual may have access to. Treat your NetTeller User ID and PIN with the same care that you use for your ATM or credit card PIN. In addition, make sure that no one is physically watching as you enter your PIN. Also take appropriate precautions to keep your computer free from viruses because there are some that could be used to capture your keystrokes.

Always log out of NetTeller or close your browser when you have completed your banking session. All cookies used in NetTeller are destroyed when you shut down your browser.

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 the Mascoma Savings Bank server. The configuration begins by disallowing ALL traffic and then opens only when necessary to process acceptable data requests, such as sending customer requests.