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Business Customer Online Safeguards

Business Accounts and Government Accounts are not covered under Regulation E. In most circumstances you will be responsible for assuming the loss on fraudulent transactions. It is vital that you follow best practices for conducting online transactions.


  • Establish separate accounts for the origination of each type of transaction. ACH origination / Wire Transfer etc. Only fund those accounts with enough funds to cover the planned transactions on a daily basis.
  • Establish dual control over the setup and creation of new user accounts on the system, the setup of new payees on the system, and the initiation of ACH and wire transfer payments.
  • Reconcile your accounts daily to monitor account activity.
  • Don't let others use your computer.
  • Log off or lock your workstation whenever you leave your computer.


Your computer is your first line of defense on the Internet, and with some diligence, you can greatly improve your security. In conjunction with the safeguards below, Vision Bank-Texas strongly recommends that you download Trusteer Rapport, an in-browser security software that protects your computer while you browse on sites containing sensitive personal data. Vision Bank-Texas provides this product to all of our customers for FREE.

  • Install and maintain up-to-date anti-virus software, spam filters, and firewalls on your computer systems at all times.
  • Maintain an up-to-date spyware detection program and disable pop-ups.
  • Use these tools regularly to scan your computer. Allow for automatic updates and scheduled scans.
  • Install security updates to operating systems and all applications as they become available. Vulnerabilities in these applications are utilized by criminals for malicious and fraudulent purposes.
  • Ideally, dedicate a single PC for online financial transactions and prohibit any other form of web browsing on this PC including email.
  • Do not let your employees perform online banking, payroll, or other company financial transactions from their home PC or from Internet cafes, public libraries, etc.


  • Utilize a unique, complex password (upper and lower case letters, numbers, and special characters where available) at least 8 characters long.
  • Do not use the same password on multiple websites.
  • Change your passwords frequently.
  • Prohibit user name and password sharing.
  • Do not use "Remember Me" features that store your login information.


  • If you receive an email using our name and asking for your personal or account information, please contact us immediately. We will never send you an email or contact you unsolicited to ask for your account number, online ID or password.
  • Be suspicious of emails requesting account information, account verification or access credentials such as usernames, passwords, PIN codes and similar information. If you are not certain of the source, do not click any links or open any attachments.
  • Standard email is not a secure means of sending sensitive data, such as financial or other personal information. If you need to provide us with sensitive information like your account numbers or social security number, contact us by mail, fax, or telephone rather than by email.
  • Always use your pre-established links to access web sites. Never click on a link contained in an email.
  • Do not send sensitive information (e.g. account numbers, social security numbers, user names, passwords, etc.) through unsecured email.