Checking Accounts

Texas Star Bank offers a full array of checking accounts that are simple and functional for the everyday management of your personal finances.

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Security

 

 

 

10 Simple Ways to Protect Yourself

With today's fast-paced trends in technology, it can be difficult to keep your information secure. Texas Star Bank works night and day to keep your information secure, but here are some simple steps you can take to keep your information safe.
 

  1. An easy way to steal personal information is by stealing others mail. Texas Star Bank offers paperless statements with eStatments. Login to Online Banking to sign up today.
  2. Shred all documents with personal identifiable information before throwing them out.
  3. Never write your PIN number on your debit card or on a note in your wallet. 
  4. Install a reputable Anti-Virus program on your computer, and be sure to keep it updated.  
  5. Keep your computer and all applications up-to-date. Most operating systems release free updates that keep your system secure on a monthly basis.
  6. When you use Online Banking, type the entire www.texasstarbank.com address directly into your browser. Avoid completing online forms in unsolicited email messages that ask for financial information.
  7. Always sign out of secure websites before closing your web browser.
  8. Never login to a secure website if your computer has been infected by a virus or other malicious software. If you believe your computer has been compromised consult a computer professional.
  9. Make backups of all your important electronic files, such as documents, photos, videos, and music. Be sure to store your backups in a secure location.
  10. Keep your bank statements, checks, debit, and credit cards in a secure place. Do not leave them in the open or an obvious place like your desk drawer or glove compartment. Be sure to shred all financial documents before throwing them away.

 

Choose a Strong Password

Choose at least 10 characters, including at least three of the following four character types:

  • Uppercase letters
  • Lowercase letters
  • Numbers
  • Symbols found on your keyboard, such as ! * - ( ) : | / ?

Avoid words found in the dictionary, including names of famous places and people. Also, be sure to refrain from names or nicknames of people, pets, or places, or personal information that can be easily discovered, such as your address, birthday, or hobbies.

Don't include any of these:

  • Repeated characters, such as AAA or 555;
  • Alphabetic sequences, such as abc or CBA;
  • Numeric sequences, such as 123 or 321;
  • Common keyboard sequences, such as Qwerty or pas.

Password Tips

Your password should be easy for you to remember, but difficult for anyone else to guess.

Don't bother with simple substitutions, such as replacing the letter O with the number zero. Get creative with mixing numbers, symbols, and uppercase letters in your own way.

Or try a passphrase: a line from a favorite song, poem, etc. Take the first letter of each word and keep the punctuation, or pick one or two letters or symbols to represent each word, then mix in punctuation and numbers that are meaningful to you.

For example, the password ty18r’o90T mixes the first letter of each word in the song title "The Yellow Rose of Texas" with the year Texas Star Bank opened.

Don't use the example password shown here.

 

Identity Theft Reporting

Identity Theft is a serious matter to Texas Star Bank. Identity Theft occurs when someone uses your personal identifying information, like your name, Social Security number, credit card number, or other personal information, without your permission, to commit fraud. If you believe you are a victim of identity theft:

  1. Immediately contact your Texas Star Bank branch.
  2. Change all of your online banking passwords. Use a strong password as referenced here; Choose a Strong Password.
  3. Notify the major credit reporting agencies (credit bureaus). Call the fraud departments of all three credit bureaus. Ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any accounts in your name:
    • Equifax: 800-525-6285
    • Experian: 888-397-3742
    • TransUnion: 800-680-7289
  4. Notify your local law enforcement agency to file an Identity Theft Report. Mail copies of the report to all of your creditors and financial institutions. You may be required to file an additional report in the location where the crime occurred.

 

If your identity is stolen, your financial records and credit rating are at risk. Immediately contact Texas Star Bank, your other financial institution and all creditors. Close any accounts that have been tampered with or opened. Recap the contact in writing, including the names of the representatives you’ve spoken with, and send the letters and any photocopies of supporting documents via certified mail to the companies you’ve contacted. Keep careful, written records of everything. File copies of all documents such as emails, messages, letters, and records of phone calls in a safe place.