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Our Privacy Commitment to You

We value the trust you place in us and it is our commitment to protect the personal privacy rights of all our clients. We realize that our clients entrust us with personal information and it is our policy to maintain our clients’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our clients’ personal information, as well as personal information of all consumers who visit our institution and web site.

Our Privacy Policy (PDF)

Ways to Guard Your Own Information

For information about identity theft, you may visit http://www.consumer.gov/section/scams-and-identity-theft,  or contact the Federal Trade Commission’s ID Theft Hotline at (877) ID-THEFT. 

Identity Theft and Your Mastercard® Debit Card

For information regarding benefits associated with your debit card, specific to identity theft, please click here. 

Online Banking Fraud Prevention

Learn more about safeguarding your information while conducting your banking online.

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Tips for Consumers

Online Banking Fraud Prevention Best Practices

At no time will Lighthouse Bank contact you requesting your User ID and/or Password.

User ID and Password Guidelines

  • Create a “strong” password with at least 8 characters that includes a combination of mixed case letters and numbers.

  • Change your password frequently, at least every 90 days.

  • Never share username and password information with other individuals or third-party providers.

  • Avoid using an automatic login feature that saves usernames and passwords.

General Guidelines

  • Do not use public or other unsecured computers for logging into Online Banking.
  • Check your last login date/time every time you log in.
  • Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to us.
  • View transfer history available through viewing account activity information.
  • Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic record keeping.
  • Take advantage of and regularly view system alerts; examples include:
    • Balance alerts
    • Transfer alerts
    • Password change alerts
  • Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.
  • Whenever possible, register your computer to avoid having to re-enter challenge questions and other authentication information with each login.
  • Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.
  • Never conduct banking transactions while multiple browsers are open on your computer. 

Tips to Protect Online Payments & Account Data

  • When you have completed a transaction, ensure you log off to close the Online Banking connection.

  • Reconcile by carefully monitoring account activity and reviewing all transactions initiated by your

    company on a daily basis.

Account Transfer

  • Utilize available alerts for funds transfer activity.

Tips to Avoid Phishing, Spyware and Malware

  • Do not open e-mail from unknown sources. Be suspicious of e-mails purporting to be from any financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.
  • Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail. Call the purported source if you are unsure who sent an e-mail.
  • If an e-mail claiming to be from Lighthouse Bank seems suspicious, checking with your us may be appropriate.

  • Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.

  • Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.

  • Ensure computers are patched regularly, particularly operating system and key application with security patches.

  • Check your settings and select, at least, a medium level of security for your browsers.

  • Clear the browser cache before starting an online banking session in order to eliminate copies of Web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser's preferences menu.

Suspicious Activity or Security Breach

In the event that suspicious activity is detected, or you believe you may have experienced a security breach in your system, please contact the bank immediately to ensure further action can be taken to mitigate potential loss at (831) 600-4000, or by email at Lighthouse.Bank@lighthousebank.net.

Revised 11/1/15

 

Tips for Businesses

Online Banking Fraud Prevention Best Practices


At no time will Lighthouse Bank contact you requesting your User ID and/or Password.

User ID and Password Guidelines

  • Create a “strong” password with at least 8 characters that includes a combination of mixed case letters and numbers.
  • Change your password frequently, at least every 90 days.
  • Never share username and password information with other individuals or third-party providers.
  • Avoid using an automatic login feature that saves usernames and passwords.

General Guidelines

  • Perform an internal risk assessment and review periodically to ensure emerging threats are addressed.
  • Perform a controls evaluation and review periodically to ensure processes in place are effective and do not have gaps in processes that may create loss opportunities.
  • Do not use public or other unsecured computers for logging into Online Banking.
  • Check your last login date/time every time you log in.
  • Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to us.
  • View transfer history available through viewing account activity information.
  • Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic record keeping.
  • Take advantage of and regularly view system alerts; examples include:
  • Balance alerts
  • Transfer alerts
  • Password change alerts
  • ACH Alerts
  • Do not use account numbers, your social security number, EIN, or other account or personal information when creating account nicknames or other titles.
  • Whenever possible, register your computer to avoid having to re-enter challenge questions and other authentication information with each login.
  • Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data. • Never leave a computer unattended while using Online Banking.
  • Never conduct banking transactions while multiple browsers are open on your computer.

Tips to Protect Online Payments & Account Data

  • Take advantage of transaction limits.
  • When you have completed a transaction, ensure you log off to close your Online Banking connection.
  • Use separate accounts for electronic and paper transactions to simplify monitoring and tracking any discrepancies.
  • Reconcile by carefully monitoring account activity and reviewing all transactions initiated by your company on a daily basis.

Account Transfer

  • Use limits provided for monetary transactions
  • Review historical and audit reports regularly to confirm transaction activity.
  • Utilize available alerts for funds transfer activity.

ACH (Automated Clearing House Batches) – if applicable

  • Use pre-notification transactions to verify that account numbers within your ACH payments are correct.
  • Use limits for monetary transactions.
  • Review transaction reporting regularly to confirm transaction activity.
  • Utilize available alerts for ACH activity.

Wire Transfer, if applicable

  • Use limits provided for monetary transactions.
  • Review historical and audit reports regularly to confirm transaction activity.
  • Utilize available alerts for wire transfer activity.

Administrative Users

  • Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or other viruses.
  • Dedicate and limit the number of computers used to complete Online Banking transactions; do not allow Internet browsing or e-mail exchange and ensure these computers are equipped with latest versions and patches of both anti-virus and anti-spyware software.
  • Delete online user IDs as part of the exit procedure when employees leave your company.
  • Assign dual system administrators for Online Banking cash management services.
  • Use multiple approvals for monetary transactions and require separate entry and approval users.
  • Establish transaction dollar limits for employees who initiate and approve online payments such as ACH batches, wire transfers, and account transfers.

Tips to Avoid Phishing, Spyware and Malware

  • Do not open e-mail from unknown sources. Be suspicious of e-mails purporting to be from any financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.
  • Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail. Call the purported source if you are unsure who sent an e-mail.
  • If an e-mail claiming to be from Lighthouse Bank seems suspicious, checking with us may be appropriate.
  • Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.
  • Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.
  • Ensure computers are patched regularly, particularly operating system and key application with security patches.
  • Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.
  • Check your settings and select, at least, a medium level of security for your browsers.
  • Clear the browser cache before starting an online banking session in order to eliminate copies of Web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser's preferences menu. 

Tips for Wireless Network Management

Wireless networks can provide an unintended open door to your business network. Unless a valid business reason exists for wireless network use, it is recommended that all wireless networks be disabled. If a wireless network is to be used for legitimate business purposes, it is recommended that wireless networks be secured as follows:

  • Change the wireless network hardware (router /access point) administrative password from the factory default to a complex password. Save the password in a secure location as it will be needed to make future changes to the device.
  • Disable remote administration of the wireless network hardware (router / access point).
  • If possible, disable broadcasting the network SSID.
  • If your device offers WPA encryption, secure your wireless network by enabling WPA encryption of the wireless network. If your device does not support WPA encryption, enable WEP encryption.
  • If only known computers will access the wireless network, consider enabling MAC filtering on the network hardware. Every computer network card is assigned a unique MAC address. MAC filtering will only allow computers with permitted MAC addresses access to the wireless network.

Suspicious Activity or Security Breach

In the event that suspicious activity is detected, or you have experiences a security breach in your system, please contact the bank immediately to ensure further action can be taken to mitigate potential loss at (831) 600-4000, or by email at Lighthouse.Bank@lighthousebank.net.

Revised 11/1/15 

Mobile Banking Fraud Prevention Best Practices

The security of your information and money is a top priority for us. As the use of Smart Phones and wireless devices continues to grow, we feel it is important to provide you information on additional ways to keep your information safe and prevent potential fraud. The information below is an example of “best practices” for securing your mobile devices.

Best Practices and Protection

With mobile banking, your banking and financial transactions are at your fingertips. Here are some precautions for safe and secure mobile banking.

  • Set up a PIN/password to access the menu on your mobile device.
  • Delete junk messages and chain messages regularly.
  • Do not open any URL in messages that you are not sure about.
  • Remember SMS/Text will never ask for sensitive information
  • If you have to share your mobile device with anyone else or send it in for repair/maintenance.
  • Clear the browsing history.
  • Clear cache and temporary files stored in the memory as they may contain your account numbers
    and other sensitive information.
  • Set the screen timeout to five minutes or less
  • Avoid using auto-complete features that remember names or passwords
  • Protect your passwords and never reveal them to anyone
  • Do not store personal information or user names and passwords in your mobile device

Manage Your Applications Wisely

  • Download apps only from trustworthy sources – Like iTunes® or Google Play
  • Don’t install a new app until it has established a good reputation
  • Keep applications updated. Remove applications you no longer use

What To Do If Your Device Is Lost or Stolen

  • Notify your cellular provider to ‘suspend/deactivate’ your device until it is located.
  • Login to online banking, click on mobile banking, deactivate your mobile device and consider changing your password.
  • Notify us to ensure your device is disabled even if your cellular provider has deactivated your device (applications/web may still be accessed via Wi-Fi connections), or your device has been located by calling 1-831-600-4000 Monday – Thursday from 9:00 am to 5:00 pm or Friday from 9:00 am to 6:00 pm.
  • If enabled, remotely wipe the data from your device

Additional Precautions and Protection

  • Make passwords unique — truly safe passwords don’t incorporate names, phone numbers, addresses, known dates.
  • Never leave your mobile device unattended- while using Bank’s mobile app or any other mobile activity.
  • Install an anti-malware application — there are several available, like LookoutTM, SophosTM, etc.
  • Be careful of any mobile device bought second-hand from places like eBay™ or Craigslist — they can contain pre-installed malicious software
  • Know where your device is and don’t loan it to anyone
  • Just like your computer, do not click on links in emails or texts that you are not familiar with
  • Be aware of your surroundings when in public to help prevent theft
  • Auto-wipe your device if PIN/password is entered incorrectly after 10 attempts
  • Do not use public Wi-Fi/WLAN to conduce wireless banking

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Cyber Security Awareness

We now live in a world that is more connected than ever before. The Internet touches almost all aspects of everyone’s daily life, whether we realize it or not. Recognizing the importance of cybersecurity is critical in protecting yourself against this emerging and growing threat. Consumers who want to learn more about cybersecurity and online scams can find additional information at: http://www.fdic.gov/consumers/consumer/guard/index.html

FDIC Information

(877) ASK-FDIC ((877) 275-3342)
8:00 a.m. – 8:00 p.m. (EST)
Monday through Friday 

Hearing Impaired Line:
(800) 925-4618 

Calculate insurance coverage using the FDIC’s Online Electronic Deposit Insurance Estimator.

Find additional FDIC information.

Contact the FDIC with questions.

Lighthouse has been a partner of the Digital NEST since its inception. It has been a pleasure working with them and they have met all of our needs including easy access to Online Banking & Remote Deposit Capture.

Jacob Martinez
Digital NEST

Lighthouse Bank has been the perfect partner for our business. They helped us secure our loan and credit line to help pivot our business and set us up for success for years to come.

Spencer Joseph & Brandon Stewart
Caliber Truck Co

Starting a business is tough, but Lighthouse Bank’s SBA Lending Program ensured we had the capital we needed to succeed.

Chris Baca, Charles Jack, and Jared Truby
Cat & Cloud Coffee

It's fun to go to Lighthouse Bank! We're appreciated as individuals and as members of our shared community. We were happy to partner with them via a loan to solar power our business.

Rob & Kathleen Genco
Discretion Brewing

Banking with Lighthouse allows us to spend more time running our business and less time making trips to the bank!

Mary Ann & Mark Escobar
Escobar Diamonds

See all Testimonials