Arrow Bank is serious about safeguarding your personal information. Here are some of the steps we
take to protect our customers:
Fraud Monitoring
To help minimize your exposure to fraud and the impact it may have on your account, we monitor
your debit card and ATM transactions for unusual activity.
If we suspect fraudulent debit card or ATM use, fraud detection specialists will contact you on
our behalf to validate the legitimacy of your transactions (this may be from a person or an
automated-calling system). While your timely response to this call is critical in preventing
potential risks and avoiding restrictions we may place on the use of your card, please feel free
to contact your local branch to verify the legitimacy of this call. Remember to never give out
personal information, including account number, PIN and Social Security number.
If unusual activity is detected, our fraud detection specialists will:
- Confirm you are the cardholder
- Verify your card by referencing the last four digits of your debit
card number
- Verify the last four digits of your Social Security number
- Review and confirm recent transactions
If you find that recent transactions are not authorized, your card will be deactivated and a new
card issued.
If you are not at home when the call takes place, you will be provided with a case number for
reference and asked to contact our fraud detection specialists. If you are uncertain about the
legitimacy of the message, contact your local branch before calling back.
On top of our fraud monitoring, please be diligent in monitoring transaction activity on your
accounts and contact us immediately if you identify any fraudulent
transactions. Be sure to let us know
about upcoming trips to locations not in your normal travel pattern.
To learn more, contact any of our local offices or call us toll free at: (800) 246-2415.
Internet Banking Security
Our Internet Banking uses Secure Socket Layer (SSL) technology to encrypt User IDs, passwords and
account information. Any information provided to you is scrambled en route and decoded once it
reaches your browser.
Information you provide via electronic forms on our website is secure and encrypted in most
instances. In other words, it is scrambled en route and decoded once it reaches us. You may
check that your web session is secure by looking for a small lock symbol, usually located by the
address bar toward the top of your web browser window. You may also look for the letters
"https://" at the beginning of your website URL in your web browser. The
“s” means the web connection is secure.
Sending Email to the Bank
Email sent to us through means other than our Internet Banking or Business Online Banking systems
may not be secure unless we advise you security measures will be in place prior to your
transmitting information. Therefore, we ask that you do not send confidential information such
as Social Security or account numbers to us via an unsecured email. To share any personal or
account information, reach out to us directly by visiting a
branch or calling us at (518)
793-4121.
Links to Third Parties Within Our Websites
From time to time, we may provide you with links to third-party websites we feel offer useful
information. In such instances, we will provide the following notice:
“You are leaving Arrow Bank's website at arrowbank.com. By clicking the button
below, you will be accessing a trusted partner’s website. Please review
their security and privacy policy, as it may differ from Arrow Bank's
policies.”
We are not responsible for the information practices employed by sites linked to from our
website or those that link to our site from their website. Third-party websites may have
different privacy policies and/or security standards governing their sites.
Security Enforcement
Employee Code of Ethics: Our Employee Code of Ethics (“Code”)
expresses our absolute commitment to integrity, our related corporate values and ethical
standards, and the associated business conduct we expect from all our employees. The Code
includes very specific guidelines concerning the safeguarding of confidential information,
including customer information. In general, these guidelines limit employee access to
confidential information, and limit the use and disclosure of such information to specifically
authorized processes and transactions. If it is determined that employees have violated the
Code, corrective action will be taken, including possible termination.
Verification of Practices: Periodically, our operations and business practices
are reviewed for compliance with corporate policies and procedures governing the confidentiality
of information. These reviews are conducted by our own internal staff, auditors who report
directly to our Board of Directors, external accounting and auditing firms, and government
regulators. Included in these self-assessments and examinations are reviews of the controls and
safeguards related to consumer privacy, which are described in our Privacy Disclosure.
Consumer Recourse: If you believe we have not complied with our stated Privacy
Disclosure concerning our usage of personally identifiable information that we may collect over
the Internet, or that information we have provided to you based upon your Internet activity is
inaccurate, please contact us.
Children Visiting Our Website: Our website is directed at customers and
potential customers, most of whom are adults. However, children may access our website and
provide information. For example, they may request information concerning our products and
services and apply for certain products and services. We are confident parents will not find any
of our content objectionable for viewing by their children. Parents can use various software
packages to prevent their children from accessing websites they deem to be inappropriate.