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In order to receive a wire transfer into your Country Bank account, you will need to provide the following information to the originating bank:
If the originating bank requires an address for Country Bank, please use the following address:
Country Bank Fees:
Corporate Account Takeover is a type of business identity theft in which a criminal entity steals a business’s valid online banking credentials. Small to mid-sized businesses remain the primary target of criminals, but any business can fall victim to these crimes. Attacks today are typically perpetrated quietly by the introduction of malware through a simple email or infected website.
What is the risk?
The Bank’s ability to protect you is severely undermined when your online credentials are compromised by a data breach initiated within your computer system. Once your computer is compromised, any action you can take from your online banking, a criminal will attempt to do fraudulently. For example: Bill Pay, ACH Transfers, Wires, copies of checks and signatures, etc. Any possible way to financially defraud you will not be overlooked by smart criminals with the intent to steal your money or personal information.
How does it happen?
Hackers often take aim at small business’ computers because they are easier to infiltrate than banks’ systems.
Once the employee opens the attachment or goes to the website, malware is installed on the computer. In each case, fraudsters exploit the infected system to obtain security credentials that they can use to access a company’s business accounts. Once embedded, it can even seek out others within the network to gain secondary access or credentials. While up-to-date antivirus software offers substantial protection against malware, it isn’t 100% effective. According to the FBI, there is no single deterrent that is 100% effective against fraud, viruses, and malware.
Be Aware of the Danger!
Develop and Practice Information Security Policies
Manage Access to Online Banking:
Monitor Your Country Bank Accounts:
Train Your Employees:
Providing security awareness training to employees will help ensure employees understand the security risks related to their duties and the importance of following established security practices. At a minimum, we recommend your employee training program include:
In today’s cyber world, keeping your passwords safe from fraudsters is extremely important. You can protect yourself by practicing safe password guidelines. Here are some tips that can help:
Be sure to protect yourself from keystroke logging malware by keeping up-to-date malware protection software on your computers. These dangerous types of malware hide on your computer and watch each key you strike. No matter how complex your username and password may be, as soon as you start typing it in, the malware records it and a thief can log in as you.
Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft, and other scams. According to a Norton Cybercrime Report, 378 million adults worldwide were victims of cybercrime in 2013. Country Bank recommends the following tips to keep you safe online:
Here are some easy ways to protect your computer systems from intrusions that could lead to loss or theft of data or software:
For the latest internet security news and helpful videos, visit www.consumerreports.org.
What can I do with Cash Management?
Online banking with transfers and loan payments, bill payment, ACH, tax payments, wire transfers, account reconciliation, QuickBooks, remote deposit capture.
Are there fees for having this solution?
Please contact us at 800.322.8233 to arrange a quote from your account officer.
Are there cut off times for sending ACH & wires?
Yes, the cutoff time for each is 4:00 pm Monday through Friday (excluding Holidays.) This allows ample time for back office staff to approve and verify before end of day.
Who is allowed to do ACH and wires?
The administrator of Cash Management will provide us with the names of the authorized individuals.
How are users added to Cash Management?
The administrator of Cash Management will provide us with the names of the authorized individuals. This is done one of two ways. The form is available within our Cash Management Forms & Applications on this page or the administrator of Cash Management may contact their account officer for the documents.
What is dual control?
Dual control requires every ACH or wire transfer requested to be conducted by two authorized users: one to initiate the transfer and the other to approve the transfer.
Can I have more than two authorized users to conduct ACH or wire transfers?
Yes, you can have multiple Cash Management users. You would specify who would be authorized to initiate and/or approve ACH or wire transactions. You can have more than one initiator and more than one approver. You cannot approve your own transactions.
How far out can I date an ACH transaction?
It is recommended that you keep the dates within a seven day period.
How do I change my username?
Log into your online banking and go the Options Tab>Customer Info>the Alternate Login is your current username. Make the change in this field and click submit.
How do I change my password?
Log into your online banking and go the Options Tab>Security Settings>Change Password>create a new password>click submit.