Serving Frederick County Since 1899

Woodsboro Bank is committed to the security of your accounts and personal information.

 

Our Commitment

For more than 100 years, Woodsboro Bank has stood as a symbol of strength and security, serving our clients' financial needs. Today, we remain as committed as ever and use proven technology to protect your personal information.

How We Protect You 

Woodsboro Bank utilizes proven technology to protect your personal and financial information as well as your privacy. Under federal law, Regulation E (Electronic Fund Transfer Act) provides certain protections to consumer customers when there is unauthorized account activity. Regulation E covers electronic fund transfer activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes. 

Individualized password

When you sign up for online access, Woodsboro Bank asks you to create your own username and password, to access your accounts. This information is encrypted during transmission. We strongly recommend that you do not use your Social Security number as a username or password. To create a new username, sign on to Woodsboro Bank Online® and go to the Options tab.

Woodsboro Bank may request a customer’s online banking username to authenticate the customer by phone or email; however, we do not request a customer’s online banking password to verify their identity. If there is ever a question regarding the legitimacy of an email, our clients should visit www.woodsborobank.com and sign on from the homepage.

Security Questions

Woodsboro Bank will require Online Banking customers to select three security questions and provide answers. If we ever need to confirm your identity, your correct answers to security questions will help us verify it’s you. 

Timed log-off

Woodsboro Bank’s system will automatically log you off from Woodsboro Bank Online®  after 10 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer. 

Firewall

Woodsboro Bank’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available. 

Encryption

From the moment account information leaves your computer to the time it enters Woodsboro Bank’s system, all online access and Bill Pay sessions are encrypted. Woodsboro Bank employs some of the strongest forms of encryption commercially available for use on the Web today. 

During any transaction, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Woodsboro Bank’s computers possess the proper formulas to turn this code back into meaningful information and complete your transaction. 

Look for a “closed lock” icon in the lower right-hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox 2) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with “https://...” indicates the page you are viewing uses encryption. The “s” stands for “secured.”

Constant Surveillance

Woodsboro Bank’s security team maintains and monitors our security systems to make sure that your accounts are safe and secure. 

Additional Security Measures

Woodsboro Bank’s layered approach to online security extends beyond a unique username and password, 128-bit encryption, a powerful firewall, technology updates, and continuous surveillance. We have additional security measures that may be activated in response to certain activities or events. If we are suspicious of any online behavior, we may restrict online access to accounts or prevent certain types of transactions. These measures safeguard your identity and your accounts. Further proof of identity may be required before online access is restored.

Technology Updates

To resist constantly evolving online threats, Woodsboro Bank has adopted proven industry standards for technology to protect your account security.

 In addition, Woodsboro Bank collaborates closely with major Internet software manufacturers like Microsoft®, Mozilla®, and Apple® to ensure that new web browsers meet our high security standards and can be included in our list of supported browsers.

Our Guarantee

We guarantee that you will be covered for 100% of funds removed from your Woodsboro Bank accounts in the unlikely event that someone you haven’t authorized removes those funds through our Online Services. To qualify for this guarantee, you must follow Your Responsibilities below.

Online Services means any Woodsboro Bank Online® services you use to initiate consumer or business.

Your Responsibilities

You are responsible for protecting your password and account information by:

Not disclosing your personal account information to others (including your ATM PIN, online username, and password), and

Promptly report incidents of unauthorized account access or use by calling 301-898-4000 Monday through Friday between the hours of 8:00 am and 4:00 pm.

 
To make a claim using the Online Security Guarantee:

If you are an individual customer or small business customer of Woodsboro Bank  using Woodsboro Bank Online, you must notify us of unauthorized activity within 60 calendar days after the date we send you the account statement showing that unauthorized activity.

Note: Federal law provides certain protection to individual customers when there is unauthorized account activity. This guarantee provides additional protection from loss resulting from unauthorized activity.

We will respond to you within 10 business days after we receive your claim.

Click here for additional tips for maintaining online security.