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Privacy & Security

Western AgCredit is dedicated to protecting your information security This Online Banking System brings together a combination of industry-standard security technologies to protect data for Western AgCredit and for you, our customer. It features password-controlled system entry, a Digital ID for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Security

Secure Access and Verifying User Authenticity

To begin a session with the Western AgCredit Online Banking server, you must key in a Log-in ID and a password. Our Online Banking System uses a "three strikes and you're out" lock-out mechanism to deter malicious users from repeated login attempts. After three unsuccessful login attempts, the system locks you out, requiring a phone call to Western AgCredit Accounting Department (1-800-824-9198) to reset the password before re-entry into the system. Upon successful login, the Digital ID authenticates your identity and establishes a secure session.

Secure Data Transfer

Once the server session is established, your computer and the server are in a secured environment. Because the server has been certified as a 128-bit secure server, data traveling between your computer and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between Western AgCredit and your computer is encrypted and can only be decrypted with the public and private key pair. In short, the Online Banking server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic entering the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to Western AgCredit.

Using the above technologies, your Online Banking transactions are secure.

Privacy

Western AgCredit is dedicated to protecting your privacy

The information submitted to Western AgCredit is treated confidentially. We do not sell this information to third parties. In order to make improvements to the site, we may track the way visitors use this site. However, that information is used internally only as summary information, and is not used at the individual level, and is not provided or sold to any other party.

Visitors may elect to provide us with personal information via e-mail, or online registration or application forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

Some areas of our web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

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