Internet Security Information

Our bank is dedicated to making information security one of our highest priorities. We utilize advanced software, hardware, and modern security technologies to protect your financial data and prevent unauthorized access to our computer systems.

We employ multiple layers of security, including User IDs, secure passwords, encrypted data transmission, and multi-factor authentication. We utilize industry-standard TLS (Transport Layer Security) encryption. TLS is technology designed to secure and protect website communication by encrypting all data transmitted between our Internet Banking servers and your web browser.

The following are some of the technologies and practices we have implemented to ensure all online transactions remain secure:

Username and Password Protection To access account information, you must provide a unique username and password to enter the secure area of the site. Your password is masked for privacy when entered. If you do not provide this information, we cannot establish an online banking session for you.

What can I do? Keep your credentials confidential. Never share your password with anyone or write it down where it can be found. We recommend using a long, strong passphrase (combining upper and lowercase letters, numbers, and symbols) and using a completely unique password for your online banking account that you do not reuse on other websites. Never access online banking from public computers or unsecure terminals that untrusted individuals may use, and ensure your personal devices are protected with up-to-date security software.

Always Log Out You should always click the Log Out button when you are finished or if you are going to be away from your device for an extended period of time. Logging out ends your session securely, requiring your User ID and credentials to re-enter.

If your session is left idle for a period of time, it will automatically timeout for your protection, requiring you to log back in.

Browser and System Security We require the use of a secure, modern browser and an actively supported operating system to access our Online Banking website safely. For optimal security and performance, we recommend keeping your operating system (such as Windows, macOS, iOS, or Android) and your web browser (such as Google Chrome, Microsoft Edge, Mozilla Firefox, or Apple Safari) updated to the latest available version provided by the manufacturer.

Transport Layer Security (TLS) When you connect to our secure online banking portal, your browser establishes an encrypted connection. You can verify a secure connection by checking for the security or site information icon in your browser's address bar and ensuring the web address begins with https://. You can be assured that any screen displaying or requesting sensitive account details, usernames, or passwords is fully encrypted.

Network Security and Monitoring Firewalls are an essential part of our network security infrastructure. They are used to protect our internal networks from external threats that could compromise data transmissions. We utilize continuous firewall monitoring to inspect traffic from the internet, generate centralized audit logs, and enforce security policies designed to detect and block suspicious or malicious activity

About Scams and Spoofs Financial institutions and their customers are frequently targeted by fraudulent emails, text messages, and websites. Every internet user should be aware of spoof (also called phishing, smishing, or hoax) communications that mimic well-known companies to put your personal and financial information at risk.

Even if you do not enter information, clicking unauthorized links or downloading unverified attachments can expose your device to malware, keyloggers, or viruses.

How to Identify Online Fraud Scammers have become increasingly sophisticated, using official company logos, branding, and forged sender addresses to make fraudulent emails and websites look authentic.

Characteristics of Fraudulent Communications:

• Urgency & Coercion: Scammers often create a false sense of urgency, claiming that your account will be suspended, locked, or closed unless you immediately verify or update your information.
• Requests for Private Data: They typically ask for sensitive information such as account numbers, debit/credit card numbers, Social Security numbers, User IDs, passwords, mother's maiden name, or date of birth.
• Fake Contact Info: Fraudulent messages often include fake phone numbers or links disguised with legitimate company names. Remember: Nebraska Bank will never call, text, or email you to ask for your password, PIN, or One-Time Passcode (OTP).

How to Protect Yourself from Online Fraud

• Never Share Credentials: Do not provide personal, financial, or login information in response to unsolicited emails, phone calls, text messages, or pop-up windows.
• Navigate Directly: Instead of clicking links in emails or texts, always access our online banking by typing www.ne.bank directly into your browser.
• Secure Your Devices: Keep your computer and mobile device operating systems, anti-virus software, and web browsers updated to the latest versions.
• Protect Your Passwords: Avoid reusing your online banking password across multiple websites or platforms.

Tips to Avoid Scams & Fraud Scam artists use many channels—including phone calls, emails, text messages, social media, and physical mail—to trick individuals into revealing confidential information. Keep these core rules in mind:

• Verify Before You Call: Never call a toll-free number provided within a suspicious email or text message. Always look up the official phone number of the company independently.
• Understand Bank Protocols: Your financial institution already has your account numbers on file and will never ask you to read them off or verify them if your account is compromised.
• Secure Email Communication: Never send sensitive personal or financial information via standard, unencrypted email. Always use our secure messaging channels or contact us directly.
• Trust Your Instincts: If an offer sounds too good to be true, or if you receive unexpected money or urgent requests, treat it with extreme caution. Research unfamiliar businesses or claims independently using trusted sources.

If You Suspect a Scam or Compromise If you suspect you have received fraudulent communication or believe you have given out sensitive information, act immediately:

• Contact the Bank: If you feel your account information has been compromised, call us immediately at your local branch or 1-800-383-8000.

Lost or Stolen Cards: Report lost or stolen debit cards immediately at 1-800-383-8000.

What is Multi-Factor Authentication (MFA)? Multi-Factor Authentication is an advanced security feature integrated into our Online Banking and mobile app login experience. As part of our ongoing commitment to protecting your accounts against identity theft and unauthorized access, MFA adds an extra layer of verification to confirm your identity beyond just a username and password.

Why Do I Need MFA? MFA ensures your financial information remains secure by verifying your identity in multiple ways. If someone attempts to access your account from an unrecognized device, network, or unusual location, our system triggers an extra line of defense before granting access.

How Does Secure Login Work? When signing in, our system evaluates your login environment. If a login attempt is recognized as coming from your trusted personal device, you can log in smoothly. If an unfamiliar device or network is detected, our system requires secondary verification—such as a secure One-Time Passcode (OTP) sent directly to your verified phone number or email address—to prove it is really you.

How Do I Know I'm at the Genuine Nebraska Bank Site? Always ensure you are communicating with the legitimate Nebraska Bank platform by typing www.ne.bank directly into your browser address bar or accessing our official mobile app. Look for the secure site or lock icon in your browser's address bar.

Remember: Nebraska Bank will never call, text, or email you to ask for your password, PIN, or One-Time Passcode. If you ever suspect a fraudulent website or communication, do not enter your credentials and report it immediately to us at your local branch or 1-800-383-8000

Can I Access Online Banking from Multiple Devices? Yes. You can securely access Online Banking from multiple computers, tablets, or smartphones. When signing in from a new or unverified device for the first time, you may be prompted to complete a quick verification step (such as entering an OTP) to confirm your identity.

Is There a Fee for Secure Login Features? No. Advanced login security features and multi-factor authentication are provided completely free of charge as part of our commitment to safeguarding your privacy and financial security.