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Please Read the Access Agreement Below.
When finished, click on the "Agree" button at the bottom to sign up for Online Banking.

Access Agreement

 

Online Banking Access Agreement

I.Introduction

II. Accessing Your BankNewport Accounts Through Online Banking

A. Requirements
B. Electronic Mail (E-mail)
C. Fees
D. New Services
E. Benefits of Using Online Banking

III. Terms and Conditions

A. Your Password
B. Payment Account
C. Our Liability
D. Hours of Accessibility
E. Additional Terms and Conditions

IV. General Terms

A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Other Agreements

V. Provisions Applicable to Consumer Customers Only

A. Consumer Account Statements
B. In Case of Errors or Questions About Your Electronic Transactions
C. Unauthorized Online Transactions
D. Our Liability If We Fail to Make Certain Electronic Fund Transfers

VI. Provisions Applicable to Business Customers Only

A. Additional Security Procedures
B. Additional Business Customer Responsibilities
C. Business Account Statements
D. Errors or Questions About your Electronic Transactions

VII. Protecting Your Account

A. Preventing Misuse of your Account
B. Our Security Policy


I. Introduction

This Online Banking Access Agreement (the “Agreement”) is for accessing your BankNewport accounts through Online Banking and explains the terms and conditions governing the online banking services offered through BankNewport. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Rhode Island. The terms "we," "us," "our," "BankNewport," and "Bank" refer to BankNewport. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

Online Banking can be used to access BankNewport accounts. Each of your accounts at BankNewport is also governed by the applicable account disclosure statement ("Deposit Agreement and Disclosure").


 

II. Accessing Your BankNewport Accounts Through Online Banking

A. Requirements 

To access your accounts through Online Banking, you must have a BankNewport account.

B. Electronic Mail (E-mail) 

Sending electronic mail (E-mail) through Online Banking is a way to communicate with the Bank. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of Online Banking. To ensure the security of your account information, we recommend that you use the “Mailbox” link to E-mail us when asking specific questions about your account(s).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Online Banking or contact our eCommerce Department at (401)-845-2265 or 1-877-709-2265 outside the Newport County area.

Because normal Internet E-mail transmissions may not be secure, you agree to contact us electronically only through any secure messaging service that we may make available to you through the Service.  We will not act on instructions or respond to requests that you send to us from an external e-mail address.  We will not immediately receive any secure messages that you send. Therefore, you should not rely on the secure messaging service if you need to communicate with us immediately (for example, to request a stop payment, to report a lost or stolen ATM or debit card and/or Password, to report an unauthorized transaction from one of your Deposit Accounts, or to report an error on your statement). We will not take actions based on your e-mail requests until we actually receive your message and have a reasonable opportunity to act.

C. Fees 

There are no monthly or transaction fees for accessing your account(s) through Online Banking. Please note that your Internet Service Provider (ISP) may assess fees. You are responsible for all Internet connection charges, including telephone charges, incurred when accessing your accounts through Online Banking.

D. New Services 

Online Banking may, from time to time, introduce new online services. We will notify you of any new services and will provide you with the appropriate access agreements at that time. If there is any conflict between the terms and provisions of this Agreement and any such new access agreements, the terms and provisions of this Agreement shall govern, but only to the extent reasonably necessary to resolve such conflict.

E. Benefits of Using Online Banking 

With Online Banking, you can manage your personal or business accounts from your home or office on your personal computer. You can use Online Banking to:

  • View account balances and review transaction history.
  • Transfer money between your BankNewport accounts.
  • Transfer money to anyone who has a BankNewport account in which you are not a signer. *
  • Communicate directly with Online Banking through E-mail.

*Not available to business customers with Employer ID number (EIN).


III. Terms and Conditions

The first time you access your BankNewport accounts through Online Banking, you agree for that and all future access to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of the terms of this Agreement.

A. Your Password 

You will select a password for Online Banking that will give you access to your BankNewport accounts. This password can be changed within Online Banking using the “Options” link and recommend that you change your password regularly.  For security purposes, it is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential and secure. For business customers with a Tax ID, you have the ability to create access accounts for sub users for your business and therefore should never share your access information. You are responsible for maintaining access rights for these sub-user accounts such as SignOn IDs, passwords and the like.

B. Payment Account  

Although there are no fees for accessing your accounts through Online Banking, you may be assessed fees for optional services you utilize such as our Bank2Bank, Expedited Check Payments, Gift Checks, Account 2 Account Payments and Charitable Donations. You agree to pay all fees and charges for services provided under those optional service agreements, and authorize us to charge the account for which you utilized the services.  

Your online access may be canceled at any time without prior notice due to misconduct in one of your accounts. If you do not access your BankNewport accounts through Online Banking for six months, BankNewport reserves the right to cancel your service without notice. Please note that all information within Online Banking Services will be removed from your view if your service is canceled. If you are a business user and created sub-users, these users will lose the ability to view and access the information.

If you wish to cancel any of the Online Banking services offered through BankNewport, please contact our eCommerce Department at (401) 845-8616 or 1-877-709-2265 (option 4) outside the Newport County area or send us cancellation instructions in writing to BankNewport, Attn: eCommerce Department, 12 Turner Rd., Middletown, RI 02842.

C. Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, BankNewport, OR by Internet browser providers such as Mozilla (FireFox) and Microsoft (Microsoft Internet Explorer), OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing, nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the

D. Hours of Accessibility

You can access your BankNewport accounts through Online Banking seven days a week, 24 hours a day. However, on occasion, some or all of Online Banking may not be available due to system maintenance or other occurrences beyond our reasonable control.

A transfer initiated through Online Banking before 8:00 PM EST on a business day is posted to your account the same day. All transfers completed at/after 8:00 PM EST on a business day or on a Saturday, Sunday or banking holiday will be posted on the next business day.

For purposes of this Agreement, our business days are Monday through Friday. Saturday, Sunday, VJ Day and Federal holidays are not included as a business day.

E. Additional Terms and Conditions

Obtaining account balance and transaction history - You can obtain balance and transaction history on all eligible accounts. Current balance and transaction history is available as of the current business day excluding some pending point-of-sale (POS) or debit card transactions

Transferring Funds - The number of transfers from a savings account is limited as described in the All About Your Deposit Account Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.


IV. General Terms

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any changes to fees for Online services, transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by BankNewport's Deposit Agreement and Disclosure.

B. Disclosure of Account Information

The following applies to the disclosure of information about your consumer or personal deposit accounts only. We may disclose information to third parties about your account and/or the Online Banking transactions you make: (a) where it is necessary for completing a Online Banking transaction or Bill Payment, or to resolve errors; (b) in order to verify the existence and condition of your deposit account for a third party, such as a credit bureau or merchant; (c) in order to comply with a government agency or court order or lawful subpoena, or; (d) in accordance with our privacy policy.

C.  Other Agreements

In addition to this Agreement, you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank partners with, and applicable State and Federal laws and regulations. We agree to be bound by them also.

The Bank reserves the right to terminate this Agreement and your access to Online Banking, in whole or in part, at any time without prior notice.


V. Provisions Applicable to Consumer Customers Only

A.  Consumer Account Statements 

We report your Online Banking transactions on the monthly statements for your BankNewport account(s). You agree to review your monthly statement promptly after you receive it or it is made available to you through Online Banking in accordance with this Agreement and your Deposit Account Agreement and Disclosure. You also agree to tell us promptly about any change in your address, so that we may send your monthly statements to your correct address. Certain deposit accounts, including but not limited to savings accounts, money market deposit accounts, certificates of deposit and IRAs, will receive a quarterly statement if there is no electronic fund transfer activity.

If you have a passbook savings account with us where the only possible type of electronic fund transfers are direct deposits, we will record any electronic deposits made to your passbook savings account since the last time you brought in your passbook.

A copy of any documentation provided to you that indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.

B.  IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS INVOLVING YOUR CONSUMER OR PERSONAL DEPOSIT ACCOUNTS

The following applies to errors or questions about online or electronic transactions or fund transfers involving consumers only. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think:

  1. your statement or transaction record is wrong, or
  2. you need more information about a transaction listed on the statement or record.

In order to address questions or errors, we must hear from you no later than 60 days after the date the FIRST statement on which you think the problem or error appeared was sent or made available to you.

If you tell us verbally, we may require you to send us your complaint or question in writing or via email within 10 business days. When you contact us, please provide the following information:

  1. your name and deposit account number,
  2. date and dollar amount of the transaction in question,
  3. transaction number assigned by the Online Banking service if available,
  4. description of the transaction about which you are unsure, and
  5. for a Bill Payment issue – the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number and payee account number for the payment in question.

Please explain as clearly as you can why you believe an error has occurred or why you need more information. We will determine whether an error occurred within ten 10 business days (5 business days for Visa® Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa® Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and we will debit your account for any prior credit provided, as set forth above. You may ask for copies of the documents that we used in our investigation by contacting us via one of the following ways:

BankNewport
DEPOSIT SERVICING DEPARTMENT
P.O. Box 450
Newport, Rhode Island 02840

Send a message to our eCommerce Department by utilizing the "Mailbox" link within your Online Banking.

Business Days: Monday through Friday
Excluding Federal Holidays and Victory Day (2nd Monday in August)
Phone: (401) 845-8616 or 1-877-709-2265 (option 4) outside the Newport County area.
More detailed information is available on request.

For other general Online Banking questions, contact us via one of the ways listed above.

C.  Unauthorized Online Transactions From Your Consumer or Personal Deposit Account(s)

The following applies to unauthorized online or electronic transactions or fund transfers involving consumers only. Tell us AT ONCE if you believe your SignOn ID, password and/or SafeBank information has been lost, stolen or compromised or if you believe that a Online Banking transfer or transaction has been made involving your account without your permission. The best way to minimize your loss is to call us IMMEDIATELY. The unauthorized use of your access to the Online Banking service could cause you to lose all of your money in your deposit accounts, plus any amount available under your overdraft protection plan, as available. If you tell us within two (2) business days after you learn of the loss or theft of your SignOn ID, password and/or SafeBank information, you can lose no more than $50 if someone used your SignOn ID, password and/or SafeBank information without your permission. 

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your SignOn ID, password and/or SafeBank information, and we can prove that we could have stopped someone from using your SignOn ID, password and/or SafeBank information without your permission if you had told us, you could lose as much as $500. 

Also, if your statement shows Online Banking transactions that you did not make, tell us IMMEDIATELY. If you do not tell us within 60 days after the statement was sent or made available to you, you may not get back any of the money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

If you believe your SignOn ID, password and/or SafeBank information has been lost or stolen, call our eCommerce Department at 401-845-8616 or 877-709-2265 (option 4) outside the Newport County area, or write to BankNewport, Attn: eCommerce Department, 12 Turner Rd., Middletown, RI 02842.

You should also call the number or write the address listed above if you believe if you believe that a Online Banking transfer or transaction has been made involving your account without your permission.

When you give someone your SignOn ID, password and/or SafeBank information, you are authorizing that person to use your Online Banking service, and you are responsible for all Online Banking transactions the person performs using your Online Banking service. All transactions that person performs, even transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then transactions that person performs after the time you notify us are considered unauthorized, so long as we have had a reasonable opportunity to act on your notice. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. For your protection, you should sign-off after every Online Banking session and close your browser to ensure confidentiality.

D.  Our Liability If We Fail to Make Certain Electronic Fund Transfers

The following applies to electronic fund transfers by consumers only. If we do not complete an electronic fund transfer to or from your deposit account on time or in the correct amount according to our agreement with you, we will be liable only for your actual losses or damages. However, there are some exceptions to our liability to you. We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough available funds in your deposit account (or available credit under your overdraft protection plan, as available) to cover the transaction or transfer.
  2. If the Online Banking service was not working properly, and you knew about the malfunction when you started the Online Banking transaction or transfer.
  3. If circumstances beyond our control (such as telecommunication outages or interruptions, postal strikes, delays caused by payees, fire or flood) prevent the transaction or transfer, despite reasonable precautions that we have taken.
  4. If you do not give proper, complete or correct transfer instructions, or you do not follow the procedures in this or any other account agreement with us for requesting such services.
  5. If your SignOn ID, password and/or SafeBank information has been reported lost or stolen, or we have canceled your SignOn ID, password and/or SafeBank information, or the Online Banking service.
  6. If we have reason to believe that you or someone else is using the Online Banking service for fraudulent or illegal purposes.
  7. If there are other exceptions stated in our Deposit Agreement and Disclosure with you.

 


 

VI. Provisions Applicable to Business Customers Only

A.  Additional Security Procedures

You agree that the following additional security procedures govern your use of the Online Banking service when accessing your accounts:

  • You are liable for all transactions that you or any of your authorized or sub-users make or authorize, even if that person exceeds your authority. You will also be liable for all transactions by an authorized or sub-user until you have notified us of the revocation of the authorized or sub-user's authority, and we have had a reasonable time to act on such notice to block the affected SignOn ID, password and/or SafeBank information. You are also liable for any and all unauthorized use that occurs before you have notified us that your SignOn ID, password and/or SafeBank information, or other access means in your possession or control have been lost or stolen or used without your authority and before we have had a reasonable opportunity to act.
  • Your use of the Online Banking service constitutes your agreement that our security procedures are commercially reasonable. You acknowledge and agree that the security procedures are not designed to detect errors in the content of instructions or transactions. You also understand and agree that the security procedures, even when properly implemented by us and by you, do not provide a guarantee against unauthorized access to information or unauthorized transactions. Accordingly, you agree to assume risks in connection with the establishment and/or use of the Online Banking service. Without limiting the generality of the foregoing, you agree that if account information is accessed, or if an instruction is made (such as a transfer or payment order), by a person using your SignOn ID, password and/or SafeBank information, we may treat that access request or instruction as being authorized by you (regardless of whether or not it was actually authorized by you), and you agree to be bound by any transactions implemented through those instructions.
  • You represent and warrant to us that you have taken all action necessary to access and use the Online Banking service and that any resolutions, certifications, authorizations or other documents submitted to us in connection with the Online Banking service are true, accurate, completed and will be kept up to date. You, and each person you designate to use the Online Banking service on your behalf during enrollment or on other documents for the Online Banking service, as permitted by us, also represent and warrant to us that each person whose name is listed during the enrollment or on such other documents is duly authorized to bind the business in all transactions involving the Online Banking service. For any transaction involving the Online Banking service, we may act on the instructions of any persons we believe are authorized to act on your behalf.

You agree that any election you may make to change or waive security procedures recommended by us are at your risk and that any loss resulting in whole or in part from such change or waiver will be at your expense. We will not be liable to you for any losses that may result from your failure to follow these security procedures.

B.  Additional Business Customer Responsibilities

You represent and warrant that you are not a “consumer” pursuant to the terms of the Electronic Funds Transfer Act and that you will not use the Online Banking service for personal, family or household purposes.

You accept as your sole responsibility the designation of other authorized users of the Online Banking service. We do not control access by you or any authorized or sub-user you designate to any Online Banking service. You will require any authorized or sub-user to comply with all provisions of this Agreement and all other applicable agreements. You acknowledge and agree that you are fully responsible for the failure of any such person to so comply. You are responsible for any payment, transfer and other Online Banking services and charges incurred by you and any authorized user, even if your authorization is exceeded.

To the extent not prohibited by law, you agree to indemnify and hold the Bank harmless upon demand from any loss, cost, damages or expenses (including without limitation attorneys’ fees and expenses at trial and through appellate action) caused by your mistake, omission, or failure to exercise reasonable care or to comply with this Agreement or the Deposit Agreement and Disclosure.  You will also indemnify and hold the Bank harmless upon demand for any loss, cost, damages, consequences or expenses suffered as a result of any action brought by any third party against the Bank (including without limitation attorneys’ fees and expenses at trial and through appellate action) relating to any action taken or not taken by the Bank in connection with this Agreement, unless the Bank shall ultimately be held to have acted with gross negligence or willful misconduct.

If a court finds that we are liable to you because of our actions or inactions under or in connection with this Agreement, you may recover from us only your actual damages in an amount not to exceed the total fees and charges paid by you to us under and in connection with this Agreement during the preceding six (6) months.  You agree that this dollar limitation is reasonable, to the extent permitted by applicable law.  Our liability is further limited as set forth in the Deposit Agreement and Disclosure.

If you, the customer, are a corporate entity, you hereby represent and warrant to the Bank that: (i) you have full corporate power to enter into this Agreement and to carry out your obligations hereunder, (ii) the execution and delivery of this Agreement has been duly and validly authorized by you, the customer; (iii) any authorized users have been duly and validly authorized by the customer to engage in the banking transactions and activities included in the Online Banking service; (iv) no other corporate acts or proceedings on the part of you, the customer, will be necessary to authorize the performance of this Agreement; and (v) subject to applicable bankruptcy, insolvency and moratorium laws as well as principles of equity, this Agreement constitutes a valid and legally binding obligation of you, the customer, enforceable against it in accordance with its terms. 

C.  Business Account Statements 

You will continue to receive regular account statements that describe all transactions for the accounts, including the transactions that you have initiated through the Online Banking service. You acknowledge that there can be no guarantee of secure transmissions over the Internet and that the security procedures are reasonable. You are responsible for reviewing the transaction reports we provide on-line and in your monthly statements to detect unauthorized or suspicious transactions. In addition to any other provision hereof regarding authorization of transactions using the Online Banking service, all transactions will be deemed to be authorized by you and to be correctly executed thirty (30) days after we sent or made available to you a statement showing that transaction, unless you have provided written notice that the transaction was unauthorized or erroneously executed within that period. You also agree to tell us promptly about any change in your address, so that we may send your monthly statements to your correct address.

A copy of any documentation provided to you that indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.

D.  ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS

Errors or Questions:

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think:

  1. your statement or transaction record is wrong, or
  2. you need more information about a transaction listed on the statement or record.

We are going to need to know the following:

  1. your name and deposit account number,
  2. date and dollar amount of the transaction in question, 
  3. transaction number assigned by the Online Banking service if available, 
  4. description of the transaction about which you are unsure, and
  5. for a Bill Payment issue – the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number and payee account number for the payment in question.

We will tell you the results of our investigation within a reasonable time after we hear from you. You may ask for copies of the documents that we used in our investigation by contacting us via one of the following ways:

BankNewport
DEPOSIT SERVICING DEPARTMENT
P.O. Box 450
Newport, Rhode Island 02840

Send a message to our eCommerce Department by utilizing the "Mailbox" link within your Online Banking.

Business Days: Monday through Friday
Excluding Federal Holidays and Victory Day (2nd Monday in August)
Phone: (401) 845-8616 or 1-877-709-2265 (option 4) outside the Newport County area.
More detailed information is available on request.

For other general Online Banking questions, contact us via one of the ways listed above.

Unauthorized Online Transactions:

Notify us at once if you believe your SignOn ID, password and/or SafeBank information has been stolen or compromised. This will ensure the best protection of your account(s) and avoid the possibility of unauthorized withdrawals. In addition, notify us at once if you believe someone has transferred or may transfer money from your account(s) without your permission, or if you suspect any fraudulent activity on your account.

To notify us, contact our eCommerce Department at 401-845-8616 or 877-709-2265 (option 4) outside the Newport County area, or write to BankNewport, Attn: eCommerce Department, 12 Turner Rd., Middletown, RI 02842.

When you give someone your SignOn ID, password and/or SafeBank information, including someone other than an authorized or sub-user, you are authorizing that person to use your Online Banking service, and you are responsible for all Online Banking transactions the person performs using your Online Banking service. All transactions that person performs, even transactions you did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. For your protection, you should sign-off after every Online Banking session and close your browser to ensure confidentiality.


 

VII. Protecting Your Account

A. Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records disagree with our records, you must immediately contact us via one of the methods listed in the Errors or Questions sections of this Agreement.

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number and the like. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Password - The password that is used to gain access Online Banking should also be kept confidential. It is recommended that you memorize this online password and do not write it down.

You are responsible for keeping your password, account numbers and other account data confidential and secure. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify our eCommerce Department at (401) 845-8616 or 1-877-709-2265 (option 4) outside the Newport County area.

B. Our Security Policy

We have taken significant measures to help address the confidentiality and security of your personal information within our data center. We strive to use state-of-the-art networks, data, and physical security practices to protect your data to the best of our ability.

  • Security Overview
    We make a concerted effort to ensure that your information is protected. We use industry standard procedures and processes to safeguard your personal information by using intrusion detection software, secure firewalls, FIPS 140-1 Level 2 encryption of sensitive information, internal controls, and by monitoring the network for unauthorized access attempts. We also employ SSL encryption to ensure that information passed between our site and your browser is secure.
  • Physical Security
    All servers involved in gathering, storing, and providing the data to you are operated in a secure data center that has restricted access to authorized personnel only. Our data center is monitored 24 hours per day and only certified employees are permitted on premises through the use of a picture ID and electronic access. A record is kept of all personnel who have entered the secure data center. Access to servers requires multiple levels of authentication and sensitive data including your access credentials and account numbers are always stored in encrypted format at all times. Our employees are made aware of our security policy's procedures and practices through their acceptance on a yearly basis that they have carefully reviewed and abide by it.
  • Firewalls
    All external access to our internal network must go through firewalls. Additional firewalls are used to secure access to the application and database from internal sites within our institution. Our firewalls are regularly tested to insure that they are able to protect your personal information from unauthorized external and internal access.
  • Intrusion Detection
    We use an intrusion detection system to continuously monitor unauthorized attempts to access our site.
  • Secure Communications Between Systems
    We use SSL to securely encrypt and protect communications between your browser and our web servers.
  • Internal Business Practices
    We store all access credentials in an encrypted format on a secure data warehouse. Only a few authorized individuals have access to the data warehouse, and no one except you can ever see the access credentials that you have provided. We require all users to provide an ID and password using both alpha and numeric characters to prevent easy guessing of passwords by unauthorized individuals. If you ever lose or forget your password, we allow only you to reset it by first accessing a token sent only to your email address on record and then providing the answer to your secret question.
  • Questions
    If you have any questions about our security procedures you can contact us via email at intouch@banknewport.com or by contacting our eCommerce Department at (401) 845-8616 or 1-877-709-2265 (option 4) outside the Newport County area. Be sure to provide your name, contact information, and clearly state the question. We will make a concerted effort to answer your questions.

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