Local Banks in Austin Texas 78741

Banks are institutions wherein miracles happen regularly. We rarely entrust our money to anyone but ourselves - and our banks. Despite a very chequered history of mismanagement, corruption, false promises and representations, delusions and behavioural inconsistency - banks still succeed to motivate us to give them our money. Partly it is the feeling that there is safety in numbers. The fashionable term today is "moral hazard". The implicit guarantees of the state and of other financial institutions moves us to take risks which we would, otherwise, have avoided. Partly it is the sophistication of the banks in marketing and promoting themselves and their products. Glossy brochures, professional computer and video presentations and vast, shrine-like, real estate complexes all serve to enhance the image of the banks as the temples of the new religion of money.

But what is behind all this? How can we judge the soundness of our banks? In other words, how can we tell if our money is safely tucked away in a safe haven?


CUSTOMER RESPONSIBILITIES AND BANK RECOMMENDATIONS

You agree to immediately change your passcode if you suspect that your Passcode has been compromised. This can be done at any time from the “User Services” menu after you log on to the Internet Banking Service.

Neither this Institution nor its Service Providers will contact you by telephone, email or text messaging requesting personal information, such as your Access ID, Passcode, credit card number, ATM Card Number or ATM PIN. If you are contacted by anyone requesting this type of information, do not provide any information and contact our internet banking department immediately.

While it is your responsibility to safeguard your own data, including information that can be used to access or transact against your accounts at Guaranty Bank & Trust we recommend that you consider implementing the following data security-related rules or controls for your company along with a periodic Risk Assessment and controls evaluation:

  • Use strong, complex passwords that contain:
    • Alpha/numeric characters and symbols
    • Upper and lower case characters
    • No real words or names of family/friends/pets
    • Use entire keyboard; avoid strings of identical characters
  • Change your passwords regularly and use a different password for each Web site you access.
  • Never reveal your confidential login ID, password, PIN or answers to security questions to anyone.
  • Never reveal your confidential login ID, password, PIN or answers to security questions by e-mail.
  • Never share your security token.
  • Report lost or stolen tokens immediately.
  • Never bank online using computers at kiosks, cafes, unsecured computers or unsecured wireless networks.
  • Prohibit the use of shared user names and passwords for your online banking accounts

We take security and safety of our customers personal and confidential information seriously. We want to do all we can to guard your information and educate you on ways to protect yourself.