We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Online Banking Security Features

Third Coast Banks uses a multi-layered approach to security to ensure that your valuable information is kept safe. Read below for more information about some of our security features. Our goal is to help you protect yourself against fraud and identity theft.
Secure Socket Layer (SSL)
The online banking product was built using industry–approved security technologies to protect data for the bank and for you, our customer. It features a password–controlled system entry, an issued Digital ID for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

When you log in to online banking, your browser establishes a secure session with the online banking server. The secure session is established with SSL encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and the server. Both sides require the keys as the message is scrambled when sent and de–scrambled when received. The SSL protocol not only ensures privacy, but also ensures that no other browser can "impersonate" your browser, nor alter any of the information sent.

The strength of the encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grow, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. We use 128–bit SSL encryption and we recommend that you use a 128–bit capable browser.

Requests must filter through a router and firewall before they are permitted to reach the server. A router is a piece of hardware that works in conjunction with a piece of software, known as a firewall, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Personally Selected Account Names
Third Coast Bank does not display your account numbers over the internet. Instead, we ask you to choose a "pseudo" name for each of your accounts. You can change your "pseudo" account name by selecting "Options" and then "Account" within your Online Banking session.
Individual ID & Password Information
In order to access Third Coast Bank's Online Banking, you must enter a unique User ID and password.
Password Security System
To keep unauthorized individuals from accessing your account by guessing your password, we have instituted a password security system. If your password is entered incorrectly several times, the user is "locked out" of the system. If you have forgotten your password and have accidentally locked yourself out of your Third Coast Bank Online Banking account, please contact us at 281-446-7000. You may also reset your own password. This procedure is found in your Online Banking account under "Options."
Multi-factor Authentication
In order to make your online banking experience as secure as possible, we have activated a security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected we will verify your identity with unique questions that you previously picked and answered. Multi–Factor Authentication has been implemented to better protect you and your information.

After a brief monitoring period, you'll be prompted to select some personal verification questions. During a future login we'll ask you to answer these questions if we don't recognize your computer or location from where you are logging in.

Additionally, you will be asked to select a watermark for your Online Banking account. This watermark will be displayed at each login (before you enter your password) and also on each page while you are on your Internet Banking account. This will assure you that you are accessing the secure Third Coast Bank Online Banking.

Also, additional monitoring will be in place for dollar amount and volume of transactions. If any transaction(s) present a higher risk factor, the system will prompt for personal verification questions to ensure your identity prior to processing the transaction(s).
Automatic Logoff
If you are logged on to Third Coast Bank Online Banking, but do not perform an activity for 10 minutes, you will not be able to proceed until you "re-log" on to the system.
 Secure Tokens (Business Customers) 
Secure Tokens are devices issued to certain Personal Online Banking and Business Online Banking clients who conduct monetary transactions that, by their nature, are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds, which must be entered in order to complete transactions.
Pharming Shield® Detects Attacks on your Web Infrastructure
Hundreds of Banks rely on Pharming Shield to detect the widest variety of attacks against your website infrastructure. Pharming Shield is the industry's leading website security monitoring solution, it provides the following benefits:

Protects website integrity. 24X7 monitoring every few minutes ensures rapid detection of hacks against your infrastructure.

Zero-touch install. Cloud-based, requires no modification to existing websites or hoster infrastructure.

Easy to Manage. Hundreds of financial institutions rely on Pharming Shield to assure the integrity of their web infrastructure.

Customer Trust. The Pharming Shield validates website legitimacy with a watermark display on your website.
What is Pharming?
The term "pharming" is a neologism based on the words "farming" and "phishing". Both Phishing and Pharming attacks seek to obtain access credentials, such as user names and passwords But while Phishing is a type of social-engineering attack, Pharming targets the provider infrastructure and can be detected and prevented.

Pharming attacks are among the most virulent, and devastating, security breaches a company can suffer because end-users are unaware of the compromise. For this reason Pharming has become of major concern to businesses hosting ecommerce and online banking websites, leading the FDIC to issue guidance on this topic.
Protecting Your Information from "Phishing"
Beware of Phishing! (Pronounced "fishing") Phishing involves the use of seemingly legitimate email messages and Internet websites to trick customers into disclosing sensitive information, such as bank account information, social security numbers, credit card numbers, passwords, and personal identification numbers (PINS). The fraudulent email message usually requests the customer to update or validate their financial or personal information in order to maintain their accounts, and directs them to a fake website that may look like the website of a legitimate business.

Some consumers will mistakenly submit financial and personal information to the perpetrator who will use it to gain access to financial records or accounts, commit identity theft or engage in other illegal acts.

Please be advised that Third Coast Bank SSB does NOT send email messages to its customers asking for verification of any personal information.
Standard Email Communication
Please remember that email is not necessarily secure against interception, and you should not send personal information though regular email.
Secure Messaging through Online Banking
If you are a current Third Coast Bank Online Banking customer, you can login and send a secure message to us through the secure messaging option.
Zix Secure Email (Secure Documents) 
Third Coast Bank may send confidential or private information to you using Zix Secure Email; we have implemented a email encryption service through Zix Corporation, the leader in email encryption services.

Zix Corporation's easy-to-use email protection makes it seamless for you to receive, read and reply to all encrypted email communication we send you. If you are a Zix Corporation customer, you do not need to do anything.  Email is securely sent between our organizations and delivered directly to your Inbox. If you are not currently a Zix Corporation customer, you will receive confidential email through the Secure Message Center.

The protection of confidential communication is important to us and we want to ensure your information stays private.

This site helps you understand our encrypted email initiatives. http://www.uapguide.com/third-coast-bank/introduction

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