Security is a very important issue for all of us here at County Bank and customer education is also important. Today’s security issues can be both challenging and frightening at times. We have included the following information for you to get a better understanding of some of the security issues that we all face from day to day.


302-226-9800 COUNTY BANK


AFTER HOURS:  866-604-0381

Windows XP no longer supported

On October 14, 2014, researchers discovered a critical vulnerability in Secure Sockets Layer version 3.0 (SSL 3.0) (CVE-2014-3566) called POODLE (Padding Oracle On Downgraded Legacy Encryption), also known as POODLE Bleed. The SSL 3.0 vulnerability could allow an attacker to carry out a Man-in-the-Middle (MITM) attack to decrypt secure HTTP cookies, which could let them steal information or take control of the victim’s online accounts.

SSL 3.0 will be blocked for Online Banking sites effective Friday November 7, 2014, at which time users on IE6 or an XP operating system will be required to upgrade to a current browser to log in. 

Home Depot Breach

On Sept. 8, 2014, Home Depot confirmed in a press release that its payment data systems have been breached, potentially affecting its nearly 2,200 U.S. and Canadian stores. Home Depot’s investigation is focusing on a timeframe from April 2014 forward.

Tips for Preventing Elder Financial Abuse

June 15 is World Elder Abuse Awareness Day and the Independent Community Bankers of America (ICBA), the Senior Housing Crime Prevention Foundation (SHCPF) and County Bank are providing tips for preventing the disturbing trend of elder financial abuse.

“Community bankers nationwide serve a vital role in protecting members of our communities, including the elderly who are all too often targets of financial abuse,” said ICBA Chairman John H. Buhrmaster, president and CEO of 1st National Bank of Scotia, N.Y. “It’s important for all Americans to be aware of this very real issue and learn about ways to help prevent elder financial abuse from happening to themselves or their loved ones. If you have questions or concerns about the safety and security of your finances, you should speak to your local community banker right away.”

ICBA, SHCPF and County Bank offer the following suggestions on ways to prevent elder financial abuse:

  • Secure all of your valuables in a bank safety deposit box. These valuables can include your Social Security card, passports, credit card account numbers, will and other legal documents, financial statements and medical records.
  • Do not give financial information to callers that contact you and claim to be from established organizations such as your bank or credit card companies, especially if they ask you to wire funds or send them private information. If you are concerned about your bank account, contact County Bank directly.
  • Check your bank accounts and bill statements carefully. You can check them online so you can zoom in easily in case you need to make the statement larger for easier reading. If you notice unauthorized charges, alert County Bank immediately.
  • Do not give your personal information, such as bank account numbers or PINs, to anyone in a phone call, letter, email, fax or in a text message.
  • Have enough money set aside to support yourself and your immediate family for at least six months in case of an emergency. Your local community banker can help create a financial roadmap for you and your family.


On April 7, 2014, security researchers announced they had uncovered a bug or flaw in a key safety feature of the Internet—OpenSSL software, called the Heartbleed Bug.

County Bank takes our responsibility to process transactions safely, securely, and reliably very seriously. County Bank Online Banking is NOT vulnerable to the Heartbleed bug.

For those of you who use Yahoo mail, we strongly advise you to change your password for Yahoo mail. When this was first announced, it was reported that they were vulnerable. We also recommend that you change any password associated with any other web based email service.

To investigate if a website may be effected by this bug we suggest going to and typing in the webpage without the www (ex: This will run a scan of the address associated with that site and display results. After the results are displayed click on the blue ipaddress in the left column to display the specific results. Underneath the grade it gives there is a green box that says whether or not the site is vulnerable to the heartbleed bug. If it is vulnerable do not go to the website until it is safe to do so. If the site is not vulnerable, we suggest as a precaution to change any passwords associated with that site.

This link is a description of what exactly the heartbleed bug is and does:

Important Information Concerning the Target Data BreacH

Target has experienced unauthorized access to payment card data regarding debit and credit cards used in its U.S. stores between November 27th and December 15th 2013.

Because ensuring your financial security is a top priority for us, we are monitoring this situation closely.

For now, County Bank can assure you:

We are not, at present, aware of any fraudulent activity, specifically related to this occurrence, on our customers’ accounts .

County Bank has a state of the art fraud monitoring and detection service working 24/7 to identify fraudulent transactions on our customers’ cards.

We strongly encourage you to monitor your accounts online by using our online banking service. If you are not currently enrolled, you can easily enroll online. To assist you in monitoring your account activity, you may also utilize the notify me alerts within our online banking service.

If you do notice any suspect transactions on your account, or if you have any questions, please notify us immediately by calling your local branch or our Call Center at 226-9800.


FTC Offers Warning, Advice on Tax-Related Identity Theft

Did you know that your Social Security number can help an identity thief get a job, or the tax refund that should be yours?

The Federal Trade Commission, the nation's consumer protection agency, cautions that thieves can use a stolen Social Security number to apply for a job or file for a tax refund under a false identity. The FTC advises that, if you think this has happened to you, or if you get an Internal Revenue Service notice indicating a problem, contact the IRS immediately for help with your tax return, any refund, and protecting your IRS account from identity theft in the future.

The FTC also recommends three steps to minimize the potential damage from identity theft:

  • Put a fraud alert on your credit reports

  •  Review your credit reports

  • Create an identity theft report by filing an identity theft complaint with the FTC and filing a police report.

Read the FTC's Tax-Related Identity Theft to learn how to uncover and deal with this problem, how to avoid phishing scams, and how to contact the IRS. For more information, visit the FTC's identity theft website.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC's online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC's website provides free information on a variety of consumer topics.



Special Alert

The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of fraudulent e-mails that have the appearance of being from the FDIC.

The e-mails appear to be sent from various "" e-mail addresses, such as "," "," or ""

They have subject lines that read: "FDIC: Your business account" or "FDIC: About Your Business Account."

The e-mails are addressed to "Business Customer" or "Business Owner" and state "We have important information about your bank" or "…financial institution." They then ask recipients to "Please click here to find details."

They conclude with, "This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership."

These e-mails and the link included are fraudulent and were not sent by the FDIC. Recipients should consider the intent of these e-mails as an attempt to collect personal or confidential information, or to load malicious software onto end users' computers. Recipients should NOT access the link provided within the body of the e-mails and should NOT, under any circumstances, provide any personal financial information through this media.

Financial institutions and consumers should be aware that other subject lines and modifications to the e-mails may occur over time. The FDIC does not directly contact consumers in this manner nor does the FDIC request personal financial information from consumers.

For your reference, FDIC Special Alerts may be accessed from the FDIC's Website at To learn how to automatically receive FDIC Special Alerts through email, please visit

Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at


Sandra L. Thompson


Division of Supervision and Consumer Protection

Distribution: FDIC-Supervised Banks (Commercial and Savings)

Paper copies of FDIC Special Alerts may be obtained through the FDIC's Public Information Center, 1-877-275-3342 or 703-562-2200).




Click here for more information.

 Washington, D.C. (September 1, 2010)—September is National Preparedness Month, and with the onset of the Atlantic hurricane season, the Independent Community Bankers of America (ICBA) and County Bank  have some tips to help individuals put their financial documents in order to prepare for a hurricane or other natural disaster.


“While the first priority is the physical safety and well-being of you and your family, knowing that your banking and financial papers are safe gives you one less thing to worry about during times of duress,” said Jim MacPhee, ICBA chairman and CEO of Kalamazoo County State Bank in Kalamazoo, Mich. “Storms like Hurricane Earl are reminders that everyone needs to prepare ahead of time for a possible natural disaster. Having a financial preparedness plan will protect you and your family from the long-term effects hurricane or flood damage may cause to your financial documents.”


ICBA and County Bank offer the following tips to help consumers prepare before an emergency occurs:


         Keep marriage and family records, including adoption papers, property deeds, birth certificates, wills, insurance policies, passports, Social Security cards, immunization records, credit card account numbers, car titles or lease contracts, bank and investment account numbers and three years of tax returns in a bank safe-deposit box. Put each of these documents in a sealed plastic bag to keep out moisture.

         Make and safeguard additional official copies of critical documents such as birth certificates, adoption papers, marriage certificates and the deed to your home for safekeeping and notify a  trustee, close relative or attorney where your important financial information is located.

         Keep names and contact numbers for executors, trustees and guardians in a safe place, either in your safe deposit box or with a close relative.

         Take an inventory and keep a list of household valuables. Taking photographs of these items can help as well. 

         Start and regularly contribute to an emergency fund that can cover at least three to four months of expenses. This fund should be separate from your savings or investment account.

         Include extra cash in your home emergency kit, which should include a three-day supply of water, food, a first aid kit, can opener, flashlights, radio and extra batteries.

         Identify the records that you keep only on computer. They may not be available if electrical power fails, so make a printout and safeguard them or back them up to an external device or web storage facility

         The web can serve as a supplement or back up to paper copies. Scanned or other electronic documents can be attached to e-mails and stored in your e-mail account or with secure online back-up services.

         If you feel flood insurance may be necessary to protect your home, start shopping around.  Contact your insurance agent or visit FEMA’s website at for more information. 


“If you have any questions about how to better prepare for a natural disaster, please ask us,” said Dave Gillan, Senior Vice-President and Chief Operating Officer of County Bank.  “We are here to help you better understand how to organize your finances, important documents and valuables before a crisis strikes.”


For more information and resources, including a copy of an Emergency Financial Preparedness Guide, visit the consumer education and resources section of For additional information about the National Preparedness Coalition, visit


Pandemic Preparedness


            County Bank encourages you to prepare yourselves and your family in case of an influenza pandemic.  You can access Family Disaster Planning by clicking on the link or;

            It is important to be prepared in advance of a pandemic.  Maybe you don’t want to purchase all the supplies at one time.  Try purchasing a little at a time, rotating your supplies over time with newer purchases. 

            If County Bank is forced to close one or more branches, branch closings will be listed on our bank website and posted at all the branch locations.  Along with other closings, look for branch closings on your local television or radio stations.  Don’t worry, you will still have twenty-four hour access to the bank through your online banking and XPRESS Banking at 302-226-9523 or 302-226-9526.  You will have access to your cash through any local ATM.  Use your local County Bank ATM for fee-free service.

Stay Healthy

         How to Clean and Disinfect Surfaces at Home and in Public Places (CDC)

Will the seasonal flu shot protect me against pandemic influenza?

         No, it won't protect you against pandemic influenza. But flu shots can help you to stay healthy.

         Get a flu shot to help protect yourself from seasonal flu.

         Get a pneumonia shot to prevent secondary infection if you are over the age of 65 or have a chronic illness such as diabetes or asthma. For specific guidelines, talk to your health care provider or call the Centers for Disease Control and Prevention (CDC) Hotline at 1-800-232-4636.

         Make sure that your family's immunizations are up-to-date.

Take common-sense steps to limit the spread of germs. Make good hygiene a habit.

1.     Wash hands frequently with soap and water.

2.     Cover your mouth and nose with a tissue when you cough or sneeze.

3.     Put used tissues in a waste basket.

4.     Cough or sneeze into your upper sleeve if you don't have a tissue.

5.     Clean your hands after coughing or sneezing. Use soap and water or an alcohol-based hand cleaner.

6.     Stay at home if you are sick.

7.     Eat a balanced diet. Be sure to eat a variety of foods, including plenty of vegetables, fruits, and whole grain products. Also include low-fat dairy products, lean meats, poultry, fish, and beans. Drink lots of water and go easy on salt, sugar, alcohol, and saturated fat.

8.     Exercise on a regular basis and get plenty of rest.








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