Online Banking
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and account balances
  • Credit history and overdraft history
  • Checking account history and transaction or loss history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Texas National Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Texas National Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes—
to offer our products and services to you
No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No We don’t share
For nonaffiliates to market to you No We don’t share
What we do
How does Texas National Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Texas National Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Give us your contact information or pay us by check
  • Make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Texas National Bank. has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Texas National Bank does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Texas National Bank doesn’t jointly market.
Other important information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffilates either for them to market to you or for joint marketing – without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates wither for them to market to you or for joint marketing – without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Internet Privacy Policy

This Internet Privacy Policy explains how we may collect information from you when you visit our web site or when you use our online financial services.

We recognize the importance our customers place on the privacy and security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it’s on the telephone, in our lobby, at one of our ATMs, or on the Internet.

We think it is important for you to be informed of the policies, procedures, and security measures that we have in place to safeguard your personal and confidential information. With that in mind, we have developed this Internet Privacy Policy to help you to understand the steps we take to protect your personal information when you utilize our online financial services.

In addition to the protections discussed within this Internet Privacy Policy, your online financial activities may also be protected by our general privacy policy.

Below are several definitions of terms used within this policy:

  1. Customer Information – Customer Information refers to personally identifiable information about a consumer, customer or former customer of this Institution.
  2. Internet Protocol (IP) Address – an IP address is a unique address that devices use in order to identify and communicate with each other on a computer network. An IP address can be thought of as a street address or a phone number for a computer or other network device on the internet. Just as each street address and phone number uniquely identifies a building or telephone, an IP address can uniquely identify a specific computer or other network device on a network. We may use IP addresses to monitor login activity and for identification purposes when necessary for security investigations.
  3. Cookie – a Cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later. Cookies are a basic way for a server to identify the computer you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function in secure internet banking.

“Session” Cookies are used to monitor session activity within our internet banking product. These Cookies are encrypted and only our Service Provider can read the information in these Cookies. The session Cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each individual transaction. Session Cookies used within our internet banking product do not pass to your computer’s hard drive. Instead, the Cookie is stored in your computer’s memory, identifying only your computer while you are logged on. When you log off, or close your browser, the Cookie is destroyed. A new Cookie is used for each session; that way, no one can use the prior Cookie to access your account. For additional security, the Cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your passcode. We do not use this Cookie to collect or obtain personal information about you.

An encrypted non-expiring Cookie is also used within our internet banking product for the identification of this Institution.

  1. Service Provider – In order to provide a full range of online financial services, we may use various third party providers. These third parties provide services such as: website hosting, internet banking, bill payment, and account aggregation. Third party providers are referred to within this policy as “Service Providers”.
Information Collected on the Internet

If you are just browsing through our website, we do not request any personally identifiable Customer Information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:

  • Information we receive from you on applications, emails, or other forms;
  • Information about your transactions with this Institution and our affiliates;
  • Information we receive from a consumer-reporting agency; and
  • Information that is generated electronically when you visit our website or use our online financial services.

Service Providers hosting our website and internet banking service may collect general information on our website visitors for security and statistical purposes. Such information may include:

  • The internet address (referral site) which brought you to our web site;
  • The date and time you access our site;
  • The name and version of your web browser;
  • Your internet Protocol (IP) address;
  • The pages visited in our website; and
  • The duration of your online session.

Our Service Providers may use Cookies to collect some the above information. In some cases you must accept cookies in order to view our website.

When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.

As mentioned previously, our Service Provider(s) may also use Cookies within our internet banking and bill payment products. You must accept these Cookies in order to utilize the service. These Cookies do not store any personally identifiable information; they simply provide another level of security.

Use of Information Collected
  • We may disclose the information that we collect, as described above, with Service Providers acting on our behalf to provide online financial services such as: internet banking and bill payment.
  • We may also disclose Customer Information when required or permitted by law. For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.
  • We may also share Customer Information outside this Institution when we have your consent, such as when you request a specific product like insurance or an investment product from a third party financial services provider.
  • We may also disclose aggregate (not personally identifiable) Customer Information with Service Providers or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require all such Service Providers/or financial institutions to protect the confidentiality of your Customer Information to the same extent that we must do.
  • We do not disclose any Customer Information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
  • We do not sell any of your personal information.
Account Aggregation

Account aggregation sites allow you to consolidate account information from several sources into one online location. In order to provide this service, an aggregation provider may request your passcode and login information. You should ensure that the aggregation provider has appropriate policies to protect the privacy and security of any information that you provide.

If you provide information about your Texas National Bank accounts to an aggregation provider, we will consider all transactions initiated by an aggregator using the access or login credentials that you provide, to be authorized whether or not you were aware of a specific transaction.

If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you also change your online passcode with this Institution. This will help ensure that the aggregation company cannot continue to access your account(s) with us.

Email Policies

When you enroll for our online services, we will send you a welcome email. We may also send emails marketing various products and services offered by this Institution. We will always provide you an opportunity to opt-in or opt-out of marketing related emails.

We will also send security related email notices when you sign-up for email (“notify me”) alerts on your account(s) or whenever you change your passcode, security question, or email address.

If you agree to accept electronic disclosures and/or online account statements, we may also send you notices of important account updates through email. For example, if you have agreed to accept disclosures electronically, we may send you an email with updates to this privacy policy and/or we may send you a notice that your account statement is available for viewing on our website. For more information on how to enroll for electronic disclosures, please contact us at 325-235-4997.

Beware of Phishing Attempts and Internet Scams

While email is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes.   “Phishing emails” are frequently used by criminals to entice the recipient to visit a fraudulent website where they try to convince the recipient to provide personal information, such as ATM card numbers, account numbers, Social Security numbers, access Ids and passcodes.  Some of these fraudulent websites may also be virus laden and can be used to download mal-ware to your computer.  Fraudulent websites often look identical to a legitimate site, so it’s important to look very closely at the website address.

Below we have listed a few tips to help protect your personal information on the internet:

  • Always be wary of links in emails, especially any links in emails purporting to be from this Institution.
  • Please remember that if we send you an email, we will never ask for personal information such as your account number, ATM card number, PIN number, or social security number.
  • Bookmark financial websites and use these bookmarks every time you visit the website.
  • Whenever you enter personal information like your access ID or passcode, always look for the lock symbol, or https: in the address bar. Always click on the lock symbol and review the certificate details.
  • Update your internet browser! Most browsers now offer free anti-phishing tool bars that can help alert you of fraudulent websites.
  • If you send us an email, please do not include any confidential, personal or sensitive information in the email message, as email messages are generally not secure.  We do offer secure messaging through our internet banking product and you may use this secure messaging feature if you need to send us sensitive or confidential information.
  • Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus software.
  • If you receive an e-mail that you think could be a scam, delete it immediately or forward the email to
  • If you have any questions about the legitimacy of an email, especially an email from this Institution, you can also call us at this number Texas National Bank or forward the email to
External 3rd Party Links

This Institution and our Service Providers have developed strict policies and procedures to safeguard your Customer Information. Our policies require confidential treatment of your personal information. We restrict employee access to your personal information on a “need to know” basis and we take appropriate disciplinary measures to enforce employee privacy and confidentiality responsibilities. We have established training programs to educate our employees about the importance of customer privacy and to help ensure compliance with our policy requirements.

Furthermore, this Institution and our Service Providers maintain strong physical, electronic and procedural controls to protect against unauthorized access to customer information.  Our computer systems are protected in the following ways:

  • Computer anti-virus protection detects and prevents viruses from entering our website, email, and computer network systems.
  • Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.
  • We use encryption technology, such as Secure Socket Layer (SSL), to protect the transmission of your confidential information. Whenever you login to our internet banking product or schedule an online transaction through our system, the communication is encrypted. Encryption scrambles transferred data so it cannot be read by unauthorized parties.
  • We use strong multi-level authentication and behavior analysis to help prevent unauthorized access to your accounts.  Multi-level authentication can help prevent access by someone who may have stolen your login credentials.
  • We provide secure email through our internet Banking product to help ensure that your communications with us are confidential.

We continually monitor technological advances and upgrade our systems to ensure your information remains secure.

Privacy of Children

COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the internet. This financial institution respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 13 to open online accounts.

Privacy Updates

This policy may be updated from time-to-time as new products and features may require changes to our Internet Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.


If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at 325-235-4997 or

Security Information

Stay Safe Online

We care about our customers and the security of their accounts. If you believe you are a victim of fraud, notify your bank immediately. If you are a Texas National Bank customer, we will work with you to identify and make appropriate corrections to your account and help to protect you against future fraud.

The following information is provided with the intention of helping to further protect you against possible fraud attempts. We strongly encourage all customers to implement the following “best practices.” This is especially important to business online banking users because Regulation E protections related to electronic funds transfers are limited to consumers.

Best Practices for Your Computer Setup
  • Use the most recent versions of operating system available for your particular computer. They’re more secure.
  • Download security patches and updates. Turn on automatic updates so you’ve got the latest fixes to problems as they arise.
  • Disable “file and printer sharing” on your computer to prevent unauthorized access.
  • Increase the security settings for your operating system. Limit administrative rights on users’ workstations.
  • Use a current web browser and keep it updated.
  • Set your browser to block pop-ups.
  • Turn your computer off when you’re not using it. If you’re not connected to the internet, you can’t be hacked or infected.
  • Use only the most trusted sources for computer service. Make sure your personal data is completely secure before allowing anyone to work on your computer.

TIP: It is strongly recommended that computers used by businesses for online banking be restricted to use for that purpose only. All security measures should be implemented and Internet surfing to any sites other than business banking sites prohibited.

Best Practices for Selecting Appropriate Security Tools
  • Only use a well-established and highly rated “internet security suite” software with features that include:
    • Anti-virus
    • Anti-spyware
    • Anti-phishing
    • Anti-spam
    • Identity protection
    • Email scanning
    • Automatic updates
    • Automatic scanning
  • Always ensure that your security software subscription does not expire and verify that automatic updates and scanning are occurring. For additional assurance, set your security software to automatically perform a “full system” scan of your computer daily or weekly.
  • Use a secure password to prevent access when you’re away from your computer.
  • Use encryption software to protect data stored on your laptop, PDA, cell phone or other wireless device.
Best Practices for Online Banking
  • Access online banking sites by typing the URL directly into the address bar. That way you know the
    site is legitimate. You may want to bookmark the site for future visits.
  • Look for a lock icon in the browser and “https:” in the address line. They tell you the page is secure. (Still not sure? Double-click the lock icon to verify the security certificate.)
  • Check for anything unusual, unprofessional or out of place such as a slightly altered domain name. Also be suspicious of an imperfect or altered bank logo and urgent account verification requests you might receive.
  • Review Texas National Bank’s website’s privacy policy to learn how your information will be used and protected. Don’t use the same password for banking that you use for other online accounts.
  • Do not leave a computer unattended when logged into online banking.
  • Avoid having other websites loaded in your web browser when using online banking.
  • Don’t use public computers to do your banking, including those at schools, libraries, internet cafes, hotels, airports, business centers, and conference centers.
  • Avoid using wi-fi hotspots when online banking. These are shared by many people and theft of data can occur using established hacking techniques. If you are using a mobile device such as a smartphone or tablet that is connected to the internet via a proprietary network (i.e. AT&T, Sprint, Verizon, etc.) this is generally considered safer than mobile wi-fi hotspots.
  • Do not share your online banking login credentials with anyone. Shared account owners should have their own individual logins.
  • Take full advantage of available alerts within your financial institution’s online banking system. You know best what your banking habits are, so use alerts to make you immediately aware of any suspicious activity with your account.
  • Set acceptable limits for funds transfers and ACH. Assign those limits based on user needs.
  • Implement dual authorization requirements for high-value transactions.
  • Utilize hardware or soft tokens as an additional layer of security for account access and ACH and wire transfer transactions.
  • Avoid using email as a delivery method for secure access codes! Instead, use voice calls or text messaging to your mobile device. If your PC has been hacked, so has your email information.
  • Enroll for online statements with your financial institution, credit card companies, mortgage company, etc. to avoid having statement information potentially exposed in the mail.

REMEMBER: It is strongly recommended that computers used by businesses for online banking be restricted to use for that purpose only. All security measures should be implemented and internet surfing to any sites other than business banking sites prohibited.

Best Practices for Creating Strong Passwords
  • Don’t share your password with anyone.
  • Memorize your password. Don’t write it down or store it on your computer.
  • Don’t use automatic login features that save user names, login IDs and passwords. Do not respond if you are prompted by a website to save logon credentials.
  • Use upper and lower case letters, numbers and symbols.
  • Avoid common words or obvious names. Think of a phrase that’s memorable to you but not to others. Use passwords that are at least eight characters long.
  • Change passwords regularly (at least every 90 days).
Best Practices for Safer Email
  • Don’t open email from someone you don’t know. Read subject lines carefully. Don’t be tricked by a friendly tone or urgent request.
  • Turn off the preview pane in your email program.
  • Don’t click on links or attachments in unsolicited email, especially if they tell you the problem is urgent or the attached file ends in “.exe.”
  • Don’t give out personal information. Check a website’s privacy policy before you give them your email address.
  • Delete email from unknown sources immediately. Make sure you have enabled junk mail filtering.
  • Don’t forward chain emails. Spam already makes up around 50 percent of all email traffic.

TIP: If your bank sends e-mail to your e-mail address; it should always include a personal or account identifier. Any links included should be to the bank’s web site information page, not directly to a page that requires log-in credentials or personal information.

REMEMBER: No one at your bank should ever email you to ask for your personal confidential information or for your account or password information.

Phishing & Spoofing

Phishing scams use email messages which urge you to click on a link within the message to update personal information. This link then takes you to a “spoofed” website which is designed to look like the bank’s legitimate site.

To Prevent Phishing:

  • Be suspicious of any email with urgent requests for personal financial information.
  • Don’t use the links in an email to get to any web page if you suspect the message might not be authentic. Instead, call the company on the telephone, or log onto the website directly by typing in the web address in your browser.
  • Avoid filling out forms in email messages that ask for personal financial information. You should only communicate information such as credit card numbers or account information via a secure website or the telephone.

Our goal is to protect your personal information in every way that we interact with you, whether it’s on the telephone, in our lobby, at one of our ATMs, or Online.

With that in mind, we have disabled the automate Forgot Username and Forgot Password to deter unauthorized individuals to attempt to change your username and/or password. If you need assistance changing your username or password, please contact the bank. We apologize for any inconvenience.

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