Security & Privacy

 Choose a Topic:

• Customer Responsibilities
• Privacy Policy
• Mobile Banking Privacy Policy
• Privacy Disclosures
• CATO
• Cybersecurity

Customer Responsibilities

Customers of the Online Banking System have a responsibility for the security of their information. Concordia Financial Group recommends that customers follow the guidelines listed below.

• Utilize the latest version of your chosen browser.
• Each Online Banking customer uses a valid User ID and Security Password or Code to gain access to the services. It is important to protect your User ID and Security Code from others—do not leave your User ID and Security Code where it may be available to unauthorized users. It is recommended to use a full 8-digit or longer complex Security Code and change it often.
• Be sure others are not watching you enter information on the keyboard when using the system.
• Never leave your computer unattended while logged on to the home banking system. Others may approach your computer and gain access to your financial information if left unattended.
• Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
• Close your browser when you are finished so that others cannot view any financial information displayed on your computer.
• Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the home banking system.

If you have any questions, comments, or suggestions concerning our Security or our website, you may contact us by telephone at (210) 945-7400. Concordia Financial Group reserves the right to change our Privacy Policy at our discretion without prior notification.

Privacy Policy

Privacy Disclosures

Protecting Your Privacy

At Concordia Financial Group , we understand how important privacy is to you and protecting your privacy is of the utmost importance to us. You, our valued customer, have chosen to do business with us, and we understand our obligation to keep the information you provide to us secure and confidential. Protecting your personal banking information is one of our most significant responsibilities and we value the confidence you have placed in our financial institution. The standards and guidelines described below are used to enforce our commitment to you and are based on federal laws and state statutes.

Collecting and Keeping Your Information Secure

In the process of conducting business, Concordia Financial Group employees collect and access various types of information, such as credit reports, public records, and information provided by the customer. We use this information to maintain your accounts and to assist you with your financial needs. The information we obtain from you will remain strictly confidential. We educate our employees to understand the necessity for confidentiality and to comply with our information principles.

Maintaining Accurate Customer Information

Our objective is to ensure your records are current, complete, and accurate. If you discover that any of your financial information is incorrect or incomplete, please call or write to us at the telephone number or address listed on your account statement. Customers may also visit one of our banking facilities or send us an e-mail. We will correct any erroneous information in a timely manner. The above listed methods of contacting the bank may also be utilized if submitting questions or complaints about your privacy.

Consumer Complaints

Concordia Financial Group is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Concordia Financial Group should contact the Texas Department of Banking through one of the means indicated below:

Concordia Financial Group cae bajo las leyes del estado de Texas y por esta ley está conforme a la supervisión legal del Departamento Bancario de Texas. Cualquier consumidor que desee reportar una queja contra Concordia Financial Group debe comunicarse con el Departamento Bancario de Texas por medio de de lo siguiente:

Disclosure of Customer Account Information

At Concordia Financial Group , we share information within our facility in respect to your banking relationship for official business purposes only. The bank will not intentionally reveal any account information or other personal information to a third party not affiliated with Concordia Financial Group , unless:

• You authorize the disclosure of information.
• The bank is required or allowed to by law.
• The information is needed in order to complete a transaction initiated by you.
• The information is provided to a reputable credit bureau or information-reporting organization.

Concordia Financial Group does not share any customer information with third party marketers offering their products and services. While we may continue to offer products and services from third party vendors, Concordia Financial Group and the companies that work with us will safeguard the confidential customer information provided to us.

Mobile Banking Privacy Policy

Privacy Disclosures

Print out Privacy Policy

Updated 6/2/2022

CATO

CATO or Corporate Account Takeover is a type of business identity theft where criminals gain control of a business bank account by stealing employee passwords and other credentials.

Corporate Account Takeover (CATO) is a form of corporate identity theft where a business' online banking credentials are stolen by malware. Criminal entities can then initiate fraudulent banking activity, including wire transfers and ACH payments. Corporate Account Takeover Fraud involves compromised identity credentials and is NOT a compromise to the ACH Network, wire transfer system, or bank systems. CATO is specific to compromises on individual / business computers.

Losses from Corporate Account Takeover are not covered under Regulation E and, by agreement, are generally the responsibility of the customer; therefore, corporations and businesses need to take proper precautions to protect their computers and financial information to avoid financial and reputation losses.

Businesses need to evaluate their systems. Systems should have secure internet browsers. There are several products and the type of protection / security software is the individual choice of each business or corporation.

Some of the signs of a compromised computer are:

• "System Unavailable" messages while banking online
• Changes in the way your online banking application appears
• Unexpected requests for a one-time password/token in a session
• Unusual pop-up messages
• Computer locks up
• Dramatic loss of PC speed
• Unexpected rebooting or restarting of PC
• New or unexpected toolbars or icons
• Inability to shut down or restart PC·Warnings from anti-virus or anti-malware software

Suggestions for Computer Security

• Establish a dedicated computer for online banking
• Prohibit web browsing, emailing and social networking
• Use anti-virus and anti-spyware technology
• Use secure browser technology
• Do not leave computers unattended or unlocked
• Use spam filters and pop-up blockers
• Install routers and firewalls to prevent unauthorized access
• Do not use public Wi-Fi hotspots such as in cafes and airports

If you should become a victim of Corporate Account Takeover, you should immediately contact law enforcement and all financial institutions that you conduct business with. Document all information available for any investigation.

if you suspect that your business account has been compromised, contact law enforcement immediately and file a report. Also, contact ALL financial institutions with which you conduct business.