How Third Coast Bank Protects You

Third Coast Bank (TCB) maintains a comprehensive Enterprise Information Security Program that is shared with our Regulators and aligned with an industry standard incorporating six core functions

• Govern: Establish and maintain governance structures and processes to effectively manage cybersecurity risks within the Bank
• Identify: Identify risks to systems, data and assets to prioritize the Bank’s information security activities
• Protect: Develop and implement safeguards to protect our customers’ information
• Detect: Implement technology to identify anomalies and events
• Respond: Create and utilize activities to limit the impact of a detected cybersecurity event
• Recover: Execute plans to restore and recover from a natural or man-made event

TCB  employs multiple layers of security and defense including:

• Network and location perimeter protection
• Real time continuous monitoring and detection of security incidents Vulnerability and penetration testing
• Intrusion detection and prevention systems

Policies and Standards:   Third Coast Bank develops and follows information security policies and standards to protect our customer and corporate information

Information Security Awareness Program: Third Coast Bank has a robust information security awareness program to help safeguard our customers’ information and data.  We continually train and educate our employees to ensure they understand cybersecurity risks, threats and the latest scams

If you are concerned your account has been compromised, please contact Third Coast Bank Customer Service at 833-844-7708 (tel:833-844-7708)  (Monday–Friday 8am–9pm, Saturday–Sunday 9am–5pm CT).

To report phishing scam attempts, please email phishing@thirdcoast.bank.

Third Coast Banks uses a multi-layered approach to security to ensure that your valuable information is kept safe. Read below for more information about some of our security features. Our goal is to help you protect yourself against fraud and identity theft.

Secure Socket Layer (SSL)

The online banking product was built using industry–approved security technologies to protect data for the bank and for you, our customer. It features a password–controlled system entry, an issued Digital ID for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

When you log in to online banking, your browser establishes a secure session with the online banking server. The secure session is established with SSL encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and the server. Both sides require the keys as the message is scrambled when sent and de–scrambled when received. The SSL protocol not only ensures privacy, but also ensures that no other browser can "impersonate" your browser, nor alter any of the information sent.

The strength of the encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grows, it becomes less likely that anyone would be able to guess the combination to decrypt the message. We use 128–bit SSL encryption and we recommend that you use a 128–bit capable browser.

Requests must filter through a router and firewall before they are permitted to reach the server. A router is a piece of hardware that works in conjunction with a piece of software, known as a firewall, to block and direct traffic coming to 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 the bank.

Personally Selected Account Names

Third Coast Bank does not display your account numbers over the internet. Instead, we ask you to choose a "pseudo" name for each of your accounts. You can change your "pseudo" account name by selecting "Options" and then "Account" within your Online Banking session.

Individual ID & Password Information

To access Third Coast Bank's Online Banking, you must enter a unique User ID and password.

Password Security System

To keep unauthorized individuals from accessing your account by guessing your password, we have instituted a password security system. If your password is entered incorrectly several times, the user is "locked out" of the system. If you have forgotten your password and have accidentally locked yourself out of your Third Coast Bank Online Banking account, please contact us at 833-844-7708 (tel:833-844-7708) . You may also reset your own password. This procedure is found in your Online Banking account under "Options."

Multifactor Authentication

To make your online banking experience as secure as possible, we have activated a security feature that detects any uncharacteristic or unusual behavior involving your account. If something out of the ordinary is detected, we will verify your identity with unique questions that you previously picked and answered. Multi–Factor Authentication has been implemented to better protect you and your information. After a brief monitoring period, you'll be prompted to select some personal verification questions. During a future login we'll ask you to answer these questions if we don't recognize your computer or location from where you are logging in. Additionally, you will be asked to select a watermark for your Online Banking account. This watermark will be displayed at each login (before you enter your password) and on each page while you are on your Internet Banking account. This will assure you that you are accessing the secure Third Coast Bank Online Banking. If any transaction(s) presents a higher risk factor, the system will prompt you for personal verification questions to ensure your identity prior to processing the transaction(s).

Automatic Logoff

If you are logged on to Third Coast Bank Online Banking, but do not perform an activity for 10 minutes, you will not be able to proceed until you "re-log" on to the system.

Secure Tokens (Treasury Management Customers)

Secure Tokens are devices issued to Business Online Banking clients who conduct monetary transactions that, by their nature, are considered a higher risk, such as Automated Clearing House (ACH) Originations and Online Wire Transfers. These Hard or Soft devices generate a six-digit random number every 35 seconds, which must be entered to complete transactions.

Remember that Third Coast Bank will NEVER ask you:

—          For your online banking credentials

—          For your personal or business information via text message

—          For your full debit card payment information

—          For your Zelle registered token (email or mobile phone number)

These are the most recent and prevalent forms of attack that have been witnessed this season.  Stay alert and always be aware of outsiders requesting your personal information.  Remember, we already have your information, so we do not need to ask for it.

If you receive forms of communication that you are wary or hesitant about, do not hesitate to contact your banker or branch.

Lost or Stolen Debit Cards

To report your Debit Card lost or stolen, please contact us at 833-844-7708 (tel:833-844-7708).

You may also login to your Online Banking to report a lost or stolen card. Simply click on the Options Tab, then "ATM/Debit Card" and select the card(s) you wish to report lost or stolen. Or you may also use the Third Coast Bank App. Open the TCB App and login from your Mobile device. Click on Manage Cards, select the card you wish to report lost/stolen, click on Report

Fraud Alert

Be on guard against fraud with email or text message alerts With so many customers affected by the recent data breaches at large retailers, Third Coast Bank would like to remind you to activate event alerts. These can help keep an eye on your accounts.  Login to Online Banking to activate Alerts under the Options tab.

Third Party Pay Alert

When using third party bill payment services, Third Coast Bank cannot guarantee that the payments will be received in a timely manner, which may cause you to incur late fees.