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Privacy & Security

Privacy | Security | Scams to Avoid |Safety Recommendations

TCB respects your wishes to keep your personal, financial, and other information private. We also recognize the risks related to fraud. That is why TCB promises and provides exceptional privacy and security online or otherwise.

WHAT IS PRIVACY?
Collecting only select information
Sharing information with few outside parties

WHAT IS SECURITY?
Restricting account access
Protecting account information


TCB Privacy
TCB collects personal and financial information for business purposes in order to conduct transactions that customers request. The bank collects this information in a practical, non-intrusive manner. We do not share information with outside marketers. All of our service providers must comply with our privacy and security standards.

INTERNET PRIVACY - TCB only collects personal and financial information submitted through the site by consumers or applicants. The bank discloses Online Banking and Bill Pay users' information to internet banking service providers, only for the purpose of facilitating these services, or as permitted by law. The website downloads cookies to a temporary file, which make visits to the site more user-friendly. These cookies do not compromise the privacy of internet users, and are removable by users.

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TCB Security
TCB helps prevent fraud by restricting account access, and protecting personal and financial information.

EXCLUSIVE INTERNET ACCESS - TCB provides Online Banking customers a user ID and password to login to their accounts. The user must then register their PC, and answer a series of questions, as an added measure to ensure authorization. The password screen displays a familiar image that users pre-select, in order to verify that the site is not an imposter site hosted to extract sensitive information.

INTERNET PROTECTION - TCB hosts a secure website, which encrypts customer information so that it is only legible to authorized users. The forms on the site are also encrypted.

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Common Scams to Avoid
TCB wants to help you to protect your identity, credit, and deposits. We have identified some common financial scams, and recommended how to avoid them, as well as how to report them.

NIGERIAN BANK SCAM - Perpetrators of this scam send a letter or email to a random victim, claiming to be a person or official in possession of a large sum of money. They explain that they cannot access this wealth, and subsequently promise the victim a large share of it if only they assist in retrieving it. Perpetrators instruct the victim to send a wire transfer, open an account somewhere, and or provide bank account information. The scam is often legitimized by fake documentation, imposter websites, and bogus telephone numbers. The countries most commonly perpetrating these scams are Nigeria and other west African countries.

FRAUD RECOVERY SCAM - Perpetrators of this scam contact a previous fraud victim, claiming to be an organization that apprehends such perpetrators. They solicit proof of loss, personal information, banking information, and or a processing fee, while promising justice to the victim, when in fact it is just an extension of the first scam.

LOTTERY SCAM - Perpetrators of this scam send a letter or email to a random victim, claiming to be a sponsor of a lottery promotion. They promise winnings, but ask that the victim first contact a bogus lottery official. The perpetrators send a lottery certificate and or image of a check to legitimize the scam. Lottery officials then solicit account information and or a wire transfer to process the prize disbursement.

TEXT MESSAGE SCAM - Perpetrators of this scam text a random victim's cell phone, claiming to be their bank, stating that the victim's account is closed due to unusual activity. Perpetrators provide a toll free number that rings into a security answering service, for the victim to call back. The answering service asks for credit card, PIN, social security, and account numbers.

PHISHING - Perpetrators of this scam send an instant message or email to a random victim, with a link or directions to a bogus website, set up to appear like the website of a popular bank, internet provider, or merchant. They try to extract credit card or account numbers, usernames and passwords, and other personal information. The imposter website address (URL) is often similar to the address of the website it is trying to mimic. Clues in exposing a phishing scam are misspellings, threat of consequences, and unprovoked requests for passwords or account information.

OTHER INTERNET FRAUD - The simplest case of internet fraud is when perpetrators seize credit card or account information from victim's statements, and use it to purchase expensive products online for resale or use. Perpetrators commit fraud also by selling items online. They display an item for sale, process the sale via credit card or account transfer, and in place send a less valuable item through the mail. Sometimes the displayed items are not sent at all.

Avoiding These Scams
Do not send money - especially wire transfers, credit card payments, or cash - to merchants or people you are not intimately familiar with. Do not divulge personal information, account information, or passwords through non-secure emails, or suspicious websites.

Reporting These Scams
If you have been victimized by any of these scams, call your credit card company or bank and local authorities, and provide to them all the details. If the scam is via the internet, file a Complaint at www.IC3.gov. If the perpetrators are harassing you, tell them the authorities have been notified.

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Safety Recommendations
To help prevent fraud, please make habit of the following practices:
  *create easy to remember, hard to guess passwords (avoid standard names)
  *create easy to remember, hard to guess PIN numbers (avoid popular dates)
  *memorize passwords, PINs, and other confidential information           
  *avoid sharing or writing down any confidential information
  *change your password and PIN periodically
  *reconcile statements with records and receipts in a timely manner
  *report lost or stolen cards or checks immediately
  *dispute questionable charges immediately
  *keep recent statements and active cards in a safe place
  *shred old statements and cards, which show confidential information