Yes. BOC has taken strong measures to ensure that your information remains secure and confidential. The following are different methods used to protect your account information:

• Social Security Numbers and Employer Identification Numbers are not displayed.
• If no action is taken once you are logged on the the service, after 10 minutes you will be automaticially logged off.
• Information will be encrypted at 40 bits to 128 bits, depending on what your browser supports

BOC online banking means real-time access to your BOC account information:

• Check your balances
• See detailed views of your account activity
• Transfer funds between BOC accounts
• Send secure bank mail to BOC at any time.
• Pay loan payments
• Request reports

The types of accounts which, can be accessed include checking, savings, certificates, IRAs and loan accounts. You can also change passwords.

For your security, online banking will automatically end your session if there is no activity on your computer for 10 minutes. However, to reduce your risk of exposure, it is always better for you to end your session by clicking on Exit.

Your user ID and password should only be known to you. Unless you have compromised your user ID and password by revealing it to someone else, you are the only one who can access your account information.

• A BOC account
• An e-mail address
• Internet access

You are not limited to business hours. Whether you are at home, at work or on the road, it is available 24 hours a day, 7 days a week and 365 days a year with an Internet accessible computer.

The FDIC's Electronic Deposit Insurance Estimator (EDIE) is an interactive application that can help you learn about deposit insurance and calculate the insurance coverage of your accounts.

The FDIC provides two guides to deposit insurance - Insuring Your Deposits and Your Insured Deposits. Insuring Your Deposits is a basic guide, while Your Insured Deposits provide more comprehensive information. The FDIC also provides more specific information such as FDIC Guide to Calculating Deposit Insurance Coverage for Revocable and Irrevocable Trusts and details more examples in Deposit Insurance Coverage Frequently Asked Questions.

 Insured Or Not Insured? is the FDIC guide to what is and is not protected by FDIC insurance. You may also refer to the two guides to deposit insurance - Insuring Your Deposits and Your Insured Deposits.

The FDIC participates with several international organizations. For a list and links to the organizations, please visit International Deposit Insurance.

Yes. Our new bill pay has a message center and will show you a message is waiting for you. It will list your name, the date and time of your last bill pay session. There is a live Chat where you can instant message if you are needing help. There is a short cut button you will be able to use after you have all your payees entered.

Yes. You will have to use the last 4 digits of the Primary persons Social Security number. It will then prompt you to change your password.

Yes. Your payees, recurring payments and alerts will not be converted over to the new version of Bill Pay.

We Hope SO. We now have more than 3,500 payees in our system, virtually eliminating mailed checks to businesses. Individuals can still be paid by check, electronically or via direct deposit.

• My Bills Home: our new My Bills Home page acts as your personal Bill Pay dashboard. From this screen, you have one-click access to messages from the bank, your bills and payees, upcoming and past payments as well as payment reminders. It makes navigating through Bill Pay easier than ever.
• Payee Setup Wizard: The Payee Setup Wizard will give you a list of commonly used payees in your area (your mortgage company, insurance company, credit card company, etc.). Through the Payee Setup Wizard, you will be able to select most payees and eliminate the need to type in their billing address or phone number. This information will automatically appear for you. while you are setting up your payees, you will be able to specify payment methods, add e-mail reminders and setup recurring payments, if desired.
• Change of Address/Move Service: this new feature lets you create letters notifying payees of your new or updated address. Payee information will automatically populate, saving you lots of time and hassles. You then can mail the custom letters whenever it is convenient for you.