Security Tips

Internet Security

One of the most important priorities of Henderson Federal Savings Bank is the security and privacy of our customers' personal information. Henderson Federal Savings Bank customers can rest assured that we have a commitment to offer the highest level of security available. We value the trust our customers have placed in Henderson Federal and you can be confident in knowing that the information you share will be safeguarded. Also, being FDIC insured adds an additional layer of trust in knowing that your deposits are insured up to $250,000.

Henderson Federal Savings Bank strives to provide the highest level of security possible when using Internet banking. The following are just a few of our security measures:

Secure Communications

For your protection, Henderson Federal Savings Bank Account Access requires 128-bit browser encryption. This industry standard prevents the possible interception of your personal financial information over the Internet.

Secure Login

No one at Henderson Federal Savings Bank will ever ask for your password. Protecting your personal password is important to the security of your account. Please never share your password with anyone.

Secure Environment

E-mail Communications

For your protection, we recommend that you do not e-mail account numbers, debit card numbers, passwords, or other critical financial information. We cannot guarantee the security of standard e-mail communication. Your account data at Henderson Federal Savings Bank is secured by state of the art technical equipment and in-house security policies.

Customer Service

If you have questions, contact us at 903-657-2577, and we will be happy to assist 

ATM/Night Deposit Facility User Precautions

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For your own safety, carefully consider the following suggestions.

Identity Theft

How Identity Theft Occurs

Skilled identity thieves use a variety of methods to gain access to your personal information. For example:

Once identity thieves have your personal information, they may:

If Your Identity’s Been Stolen

Even if you’ve been very careful about keeping your personal information to yourself, an identity thief can strike. If you suspect that your personal information has been used to commit fraud or theft, take the following four steps right away. Remember to follow up all calls in writing; send your letter by certified mail, return receipt requested, so you can document what the company received and when; and keep copies for your files.

1. Place a fraud alert on your credit reports and review your credit reports.

Call the toll-free fraud number of anyone of the three major credit bureaus to place a fraud alert on your credit report. This can help prevent an identity thief from opening additional accounts in your name. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will automatically be notified to place fraud alerts on your credit report, and all three reports will be sent to you free of charge.

Once you receive your reports, review them carefully. Look for inquiries you didn’t initiate, accounts you didn’t open, and unexplained debts on your true accounts. You also should check that information such as your SSN, address(es), name or initial, and employers are correct. Inaccuracies in this information also may be due to typographical errors. Nevertheless, whether the inaccuracies are due to fraud or error, you should notify the credit bureau as soon as possible by telephone and in writing. You should continue to check your reports periodically, especially in the first year after you’ve discovered the theft, to make sure no new fraudulent activity has occurred. The automated “one-call” fraud alert process only works for the initial placement of your fraud alert. Orders for additional credit reports or renewals of your fraud alerts must be made separately at each of the three major credit bureaus.

2. Close any accounts that have been tampered with or opened fraudulently.

Credit Accounts

Credit accounts include all accounts with banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers.  If you’re closing existing accounts and opening new ones, use new Personal Identification Numbers (PINs) and passwords.  If there are fraudulent charges or debits, ask the company about the following forms for disputing those transactions:


If your checks have been stolen or misused, close the account and ask your bank to notify the appropriate check verification service. While no federal law limits your losses if someone steals your checks and forges your signature, state laws may protect you. Most states hold the bank responsible for losses from a forged check, but they also require you to take reasonable care of your account. For example, you may be held responsible for the forgery if you fail to notify the bank in a timely way that a check was lost or stolen. Contact your state banking or consumer protection agency for more information.

You also should contact these major check verification companies. Ask that retailers who use their databases not accept your checks.

TeleCheck — 1-800-710-9898 or 927-0188
Certegy, Inc. — 1-800-437-5120
Call SCAN (1-800-262-7771) to find out if the identity thief has been passing bad checks in your name.

3. File a report with your local police or the police in the community where the identity theft took place.

Keep a copy of the report. You may need it to validate your claims to creditors. If you can’t get a copy, at least get the report number.

4. File a complaint with the FTC.

By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials track down identity thieves and stop them. The FTC also can refer victim complaints to other appropriate government agencies and companies for further action. The FTC enters the information you provide into their secure database.

To file a complaint or to learn more about the FTC’s Privacy Policy, visit
If you don’t have access to the Internet, you can call the FTC’s Identity Theft Hotline: toll-free 1-877-IDTHEFT (438-4338).
For information on how to protect your Identity please click here for helpful suggestions provided by the Federal Trade commission.


What is Phishing and Pharming?

Phishing attacks use both social engineering and technical subterfuge to steal consumers' personal identity data and financial account credentials. Social-engineering schemes use 'spoofed' e-mails to lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as credit card numbers, account usernames, passwords and social security numbers. Hijacking brand names of banks, e-retailers and credit card companies, phishers often convince recipients to respond. Technical subterfuge schemes plant crimeware onto PCs to steal credentials directly, often using Trojan keylogger spyware. Pharming crimeware misdirects users to fraudulent sites or proxy servers, typically through DNS hijacking or poisoning.

Consumer Advice: How to Avoid Phishing Scams

To learn more about Spyware and how to protect against it click on the link below:

How to protect your computer

Please follow these links to learn more about how you can protect your computer from being compromised:

Also check with your Anti-Virus vendor and be sure to always have the latest Virus definitions loaded on your computer.
To learn more about how important Henderson Federal Savings Bank thinks your information is click here to read our Privacy Policy.

Point of Sale Customer Guide

To enhance the security of the Point of Sale (POS) customer experience:

Check the Area around the POS Device

Stay Focused During Transaction

Protect your PIN, Card and Account

Insight Web Design


Receive all your deposit account statements electronically. No more paper clutter or waiting on the mail. Convenient, Secure, and Environmentally friendly.

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Insight Mobile Design

Mobile Banking

Access your accounts on the go by downloading our app on your Apple or Android device.


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