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Online Banking Security

Two factor Authentication

SBSU uses two factors to authenticate users. The first factor is your username and password. The second factor is a one-time code delivered to your phone. Challenge questions are sometimes used in place of the code.

Secure Data Transfer

Communication between your device and our server is encrypted with a public and private key using Secure Sockets Layer (SSL) protocol. When the session is complete, the keys expire. The process starts over when a new user connects. The encryption prevents unauthorized users from intercepting and viewing the data.


You may setup alerts to notify you by E-mail whenever certain events occur, such as the following:

Avoiding Scams

Do not give your Online Banking credentials to anyone (username, password, codes, challenge questions, etc.). There are several scams. Are you involved in any?

Scam How It Plays Out
Online Lenders

You think this: You are applying for an online loan. You give your username/password, challenge questions or PIN to the lenders “To prove you are a good risk”.

What is really happening: Criminals deposit counterfeit checks to your account using your mobile deposit credentials. Your balance goes up. You have your loan! You withdraw money to make your first payment before the counterfeit is detected. Criminals keep what you send. Whoops!


You think this: Your partner loves you, but you have never met. You are planning your wedding!

What is really happening: Your partner wants your money, not you. He/she is really a criminal playing on your emotions to get your money. There is no love. If you have never physically met your online love and he/she wants your banking info, money or help with transactions, you are flirting with a criminal.

Move Money (any job that requires you to receive money and send it somewhere else)

You think this: You have a job moving money and keep a percentage for yourself. You use Western Union, gift-cards, or crypto-currency exchanges. The job must be legitimate because the money from your contacts arrives by check, wire or ACH into your account.

What is really happening: You are laundering stolen money for criminals. You are the “mule”.