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The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.

Website Encryption

How Encryption Works

  • When visiting online banking sign-on page, your browser establishes a secure session with our server.
  • The secure session is established using a protocol called Secure Sockets Layer (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 our server. Once keys are exchanged, your browser will use the numbers to scramble ( encrypt ) the messages sent between your browser and our server.
  • Both sides require the keys because they need to descramble ( decrypt ) messages received. The SSL protocol assures privacy, but also ensures no other website can "impersonate" your financial institution's website, nor alter information sent.
  • To learn whether your browser is in secure mode, look for the secured lock symbol at the bottom of your browser window.

Encryption Level

The numbers used as encryption keys are similar to combination locks. The strength of encryption is based on the number of possible combinations a lock can have. The more possible combinations, the less likely someone could guess the combination to decrypt the message.

For your protection, our servers require the browser to connect at 128-bit encryption (versus the less-secure 40-bit encryption). Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browser to the stronger encryption level.

How to Open Encrypted Email

Any time we ask you to send us documents or other financial information, we will encrypt the email so that you can return your information securely to us.

To retrieve an email:

  1. Click Open Message.
  2. If you already have a Zix login, enter your password and click Sign In; or
  3. Create an account by entering your email address and password, then reentering your password and clicking RegisterRemember this password for future use!

To reply to an email:

  1. Click Reply.
  2. Enter your message.
  3. Click Send.

To attach a document to an email:

  1. Click Attach File.
  2. Click Choose File to select the file you wish to send.
  3. Click Add File.
  4. If you have additional files you wish to add, repeats steps 2 and 3 until all files are in the Attachments box.
  5. Click Finish.

How to Send Encrypted Email

If you would like to send us an email with sensitive information in it, we highly recommend that you use our encrypted email system.  This ensures that your information stays secure.

To send an email:

  1. Click here.
  2. Click new to secure email (if you already have an account, just sign in).

  1. Complete the fields, then click Register.

  1. In your email, open the message and follow the instructions to activate your account.
  2. Sign in using your password and compose your email.

To determine if your browser supports 128-bit encryption

  • Click "Help" in the toolbar of your Internet browser
  • Click on "About [browser name]"
  • A pop-up box or window will appear.
  • For Internet Explorer: next to "Cipher strength" you should see "128-bit"
  • For Netscape: you should see "This version supports high-grade (128-bit) security with RSA Public Key Cryptography"
  • If your browser does not support 128-bit encryption, you must upgrade to continue to access the websites secure pages.