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Privacy and Security

Dsk National strives to exceed expectations regarding your privacy and security, as both are very important. We won’t store personal or financial information on your mobile device and will not use your camera or contact lists for any purpose. All wireless communications are securely encrypted using the industry standard.

Recently, Dsk National has seen significant changes in the Online Banking threat landscape. Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise authentication mechanisms and gain unauthorised access to customers’ online accounts. Rapidly growing organised criminal groups have become more specialised in financial fraud and have been successful in compromising an increasing array of controls.

Various complicated types of attack tools have been developed and automated into downloadable kits. Fraudsters are responsible for losses of hundreds of millions of dollars resulting from online account takeovers and unauthorised funds transfers. Dsk National is providing the below security awareness information for your use and action to help protect your online account and transaction information.

To access our Online Banking service, you must enter the Username that’s established or provided for your Online Banking Customer Account together with a Password and additional security credentials. It is your responsibility to safeguard these credentials after they are provided. Anyone to whom you give your Online Banking credentials will have full access to your accounts, even if you attempt to limit that person’s authority. You or someone you have authorised by giving them your Online Banking credentials can instruct us to perform the following transactions:

  • Make transfers between your qualifying accounts to the extent authorised
  • Obtain information that we make available about your qualifying accounts
  • Obtain other services or perform other transactions that we authorise.

You must have enough money or credit in any account from which you instruct us to make a payment or transfer. You also agree to the Terms & Conditions of your deposit account that you received when you opened your deposit account.

 

BASIC ACCOUNT SECURITY

 

You or someone you have authorised by giving them your Online Banking credentials can instruct us to perform the following transactions:

  • Make transfers between your qualifying accounts to the extent authorized.
  • Obtain information that we make available about your qualifying accounts.
  • Obtain other services or perform other transactions that we authorize.
  • You must have enough money or credit in any account from which you instruct us to make a payment or transfer. You also agree to the Terms & Conditions of your deposit account that you received when you opened your deposit account.

STATEMENT SECURITY

 

Your Online Banking payments and transfers will be indicated on the monthly or quarterly statements we provide. Please notify us promptly if you change your address or if you believe there are any errors or unauthorised transactions on any statement, or statement information.

BILLING ERRORS

In case of errors or questions about your Online Banking transactions, telephone us at the phone numbers or write us at the address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

  • Tell us your name and account number.
  • Describe the transaction you are unsure about, including the transaction confirmation or reference number if applicable, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

The following two paragraphs apply only to consumer accounts (an account belonging to a natural person and used primarily for personal, family, or household purposes)

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account.

If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

  • Dsk National will never contact any customer and request your electronic online banking credentials. If you get a call asking for your credentials, hang up and call us!

  • If you are an Dsk National commercial online banking customer we suggest you periodically evaluate the possible risks to your account. Some key areas to check are:
    • Who has access to the online banking PC and user credentials?
    • Is (Are) the online banking PC or PCs secured after normal business hours?
    • Do you have up-to date anti-virus and anti-malware software on the PC?
    • How often do you change the online banking passcode and how many users know the passcode?
    • Is there an active firewall on your PC?

LIMITATION OF LIABILITY

 

If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss or property damage, whether caused by the equipment, software, Dsk National, or by online browser providers such as Netscape (Netscape Navigator browser), Google (Google Chrome) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Neither we nor the service providers will be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Dsk National Online Banking services or Online Browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Dsk National Online Banking Services and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusions or limitation of such damages, our liability is limited to the extent permitted by applicable law.

Additionally, Dsk National will not be liable for the following:

  • If, through no fault of ours, you do not have enough money in your account to complete a transaction, your account is inactive or closed, or the transaction amount would exceed the credit limit on your line of credit.
  • If you used the wrong Login information or you have not properly followed any applicable computer, Internet, or Dsk National user instructions for making transfer and bill payment transactions.
  • If your computer fails or malfunctions or the Online Banking service was not properly working and such problem was or should have been apparent when you attempted such transaction.
  • If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you. If circumstances beyond our control (such as fire, flood, telecommunications outages or strikes, equipment or power failure) prevent the transaction.
  • If the funds in your account are subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud.
  • If the error was caused by a system beyond Dsk National control, such as a telecommunications system, or Online service provider.
  • If you have not given Dsk National complete, correct, or current information so Dsk National can process a transaction.