Online Banking Security

At Carolina Trust Bank, your Security is our number one priority.

With Online Banking, you can be confident that your Carolina Trust Bank accounts will be secure and protected. We guarantee $0 liability for any unauthorized activity originating from Online Banking, including Online Banking Bill Pay. To preserve your rights under this guarantee, read Your Responsibilities below for information about reporting unauthorized transactions.

Online Banking Security

Carolina Trust Bank's Online Banking system uses industry-standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol, data encryption, public-private key pair, firewalls and filtering routers. Each security component acts as a layer of protection to safeguard sensitive data from unauthorized users.

Password-controlled access

This system requires customer identification through a private login ID and PIN before you can get into the front-end of the system. You should keep this login ID and PIN absolutely private.

Transmission Security: SSL

Once you have logged on correctly, you will enter a secure environment in which you can conduct your transactions. The browser automatically secures the session using Secure Socket Layer (SSL).

Information Privacy: Firewalls and Routers

Finally, once requests arrive at the data center, the server is protected by a series of firewalls and routers which verify the source and destination of the requests traveling in information packets. The firewall is set up to reject any unauthorized traffic. This reemphasizes the importance of the PIN, which is the only legitimate entry into the program. The firewall "opens holes only when necessary and closes them back down as soon as useful work is completed". The purpose of the router is to keep out traffic that does not emanate from one of the only two legitimate ends of a secured transaction: the customer or the bank.

What can I do to keep my information secure?

You can help us keep your information secure by protecting your Online Banking Login ID and PIN.

  • Don't use obvious numbers or easily accessible information for your Login ID and PIN.
  • Ensure that no one is watching when entering your Login ID and PIN.
  • Don't record your Login ID and PIN on paper. Try to memorize them, if possible.
  • If you do record your Login ID and PIN, keep them in a safe, secure location.
  • Do not share your Login ID and PIN with anyone.
  • Review your account information often. Report any unusual activity immediately.
  • If you'll be away from your computer for any length of time, log out of Online Banking.
  • Never give account information to anyone over the telephone unless you've initiated the call.

Your Responsibilities

Review your account statement regularly and report any unauthorized activity promptly.
Carolina trust Bank promises you will not be responsible for any unauthorized activity originating from Online Banking. We will reimburse you for funds transferred from your accounts up to the amount of your loss when you notify us within sixty (60) days of the transaction first appearing on your statement. If you do not notify us within these 60 days, you may not be reimbursed for subsequent transactions. In addition, we will reverse or reimburse you for any bank or payee fees resulting from your loss.

Protect your Online Banking ID and PIN.
You should always guard your Online Banking ID and Pin from unauthorized use. If you share this information with someone, all transactions they initiate with the information are considered authorized by you, even for transactions you did not intend for them to make.

If you have any questions call us at 704-735-1104 or visit one of our branches.