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security information

how we protect you

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

For more than 120 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.

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.

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 Woodsboro Bank and sign on from the homepage.

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.

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.

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.

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.”

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

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.

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.

Additional information/resources on the protection of personal and business online banking services:

Business Account Guidance – Risk Assessment & Layered Security

Consumer Guidance – Account Authentication & Online Banking

You can protect your password and account information by:

  • Not disclosing your personal account information to others (including your ATM PIN, online username, and password)
  • Promptly report incidents of unauthorized account access or use by calling 301-898-4000 Monday through Friday between the hours of 9:00 am and 5:00 pm.

Additional Resources:

Mobile Banking Security

Identity Theft Tools


What to do if you see unauthorized activity on your Woodsboro Bank Online Services:

If you are an individual client or small business client 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. We will respond to you within 10 business days after we receive your claim. Note: Federal law provides certain protection to individual clients when there is unauthorized account activity.