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Website Policy and Security

Keeping your information safe and secure is our top priority.
Belmont Savings Bank will never request personal financial information from you either online, by text, or through the telephone. Please be careful not to furnish your bank account number, debit or credit card information, social security number or date of birth to any unknown party.

If you receive any suspicious emails or telephone calls requesting this type of information, please contact the Bank immediately at 617-484-6700 or 617-993-1499 option 3. If you need to report a lost or stolen card please call 1-800-472-3272, option #2, available 24/7

Belmont Savings Bank Privacy Policy
Read how Belmont Savings Bank protects your information, what we do with your personal information, the types of information we collect and how we share your information. Click here for Belmont Savings Bank’s Privacy Policy.

Online Banking Security Tips

Q: Can anyone else see my accounts over the Internet?

A: BSB uses the latest technology to keep your account information secure. Security features exist at every level – from your PC, to the Internet, and over our secure network. The following features are offered for full security:

  • Password protection
  • Enhanced Login Security
  • Lockout – Access is denied after the fifth consecutive invalid login
  • Timeout – Account Access automatically logs off after a designated period of time
  • Exit button – Exits Internet Bill Payment and Account Access
  • Cache security – Ensures that no one can view a customer’s account information by accessing the cache file
  • Encrypted URL – Ensures that any account information that appears in the URL is not readable
  • SSL (Secure Sockets Layer) protocol – Allows for the transfer of digitally signed certificates for authentication procedures, and provides message integrity, ensuring that the data can’t be altered during a transaction. In SSL protocol, Web addresses usually start with “https” instead of “http

Q: What can I do to maximize the security provided for my account while using Online Banking?

A: The Online Banking service has several effective security techniques that we encourage you to implement when you use Online Banking:

  1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
  2. Change your password on a regular basis.
  3. Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
  4. Change your session timeout in User Options to a time that meets your needs.
  5. Balance your account on a regular basis. Online Banking makes it easy!


Mobile Banking Security Tips 

Q: What can I do to maximize the security provided for my account while using Mobile Banking?

A: Mobile Banking users can take several steps to safeguard sensitive information while viewing your bank account on a mobile device:

  1. Password protect your mobile device.
  2. Do not download suspicious applications. Review the customer reviews and application permissions closely before downloading a new app.
  3. Continue to update the software on your device.
  4. Set up Online Banking notifications to receive mobile alerts regarding suspicious activity.
  5. Delete texts messages sent from Belmont Savings Bank - these do not contain sensitive information but can identify you as a customer of the Bank.
  6. Be aware of your surroundings when logging into mobile banking and be cautious of people who can see your screen. Ensure your login credentials are masked.
  7. If you lose your phone, contact Belmont Savings Bank to ensure mobile and text alerts are disabled.
  8. If you change your mobile phone number, update your Online Banking profile or contact the Bank to ensure all notifications and alerts are sent to the correct phone number.
  9. Do not modify your device.
  10. If possible, install anti-virus and anti-malware software on your device.
  11. Do not access Mobile Banking using public Wi-Fi.
  12. Do not store financial information or confidential information on your phone.
  13. Do not open suspicious and unsolicited text messages, files or applications from an unfamiliar source.
  14. Do not respond to any text or email requesting your account information such as your PIN, account number or card details.


Belmont Savings Bank wishes to notify you of the following alert(s):


We’ve gotten phone calls from customers who are receiving a fraudulent automated phone call that are advising them their debit card has been compromised and asking them to enter their 16 digit card number. This is fraud – we would never contact you to ask for your debit card number. If we suspect that a debit card has been compromised, we will contact you, but not with an automated call and we would not ask you to give us your card number or any other financial information. Please be cautious and never give out your personal or financial information to an unsolicited phone call, email and/or text. For more info about how to prevent fraud, please see our ID theft information below.

Email Fraud

We’ve seen some spam emails that appear to be from BSB and are asking you to open and run an attached file. These emails are NOT from us. Belmont Savings Bank will NEVER send emails or texts asking you to download and run a file or submit your personal and/or financial information. Please do not open or run the file – it is spam. For more information about how to prevent fraud, please see our ID theft information below.

Wire Transfers

The financial industry has recently encountered an increase in fraudulent wire transfer activity. Some instances of fraud activity have occurred via telephone and fax communications where the fraudster has forwarded an unsuspecting customer’s phone number to the fraudster’s phone number. The fraudster then calls in or faxes in wire transfer requests and when the financial institution calls to confirm the information, the fraudster is answering the call, not the customer.

To protect you, Belmont Savings Bank may request additional verification information from phone and fax wire transfer requests. To prevent a call forwarding service being set up on your phone number, contact your phone provider to find out how to have this service blocked or password protected.

ID Theft

U.S. Department of Justice data show that identity theft is the fastest growing crime in America. Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes and to get credit in your name. Because we are committed to your financial safety, we feel you need to know the latest info to keep yourself and your accounts safe.

How fraudsters obtain personal information:

  • Dumpster Diving: Going through trash to find bills and papers with personal information on it.
  • Phishing: Posing as financial institutions or companies like eBay or PayPal and sending spam or pop-up messages to get consumers to reveal personal information. It can also be in the form of text messages asking for your personal information, or to call a fake phone number or visit a fake website.
  • Skimming: Stealing credit/debit card numbers by using a special storage device when processing your card.
  • Property Theft: Stealing wallets and purses; mail, including bank and credit card statements; preapproved credit offers; and new checks or tax information.
  • Spyware: Tricking victims into downloading illicit software when they open an attachment. Spyware records keystrokes to get credit card numbers and passwords.

How to prevent ID Theft:

  • Keep your PIN and passwords secret. Never let someone else enter your PIN for you.
  • Shred documents with personal information before you discard them.
  • Be suspicious of emails, texts, mail or phone calls that ask for your personal information, especially your financial information. If you suspect something might not be authentic, contact the company directly. Remember, Belmont Savings Bank will never send emails or texts asking you to submit your personal and/or financial information.
  • Never click on links sent in unsolicited emails – fraudsters are very clever and can disguise links and even create websites that may look identical to websites you know. Type in the web addresses you know in a new browser.
  • Always ensure you’re using a secure website when submitting sensitive information over the Internet. To make sure you’re on a secure site, check the beginning of the web address – it should be https:// rather than http:// and it should have a lock in the bottom corner.
  • Maintain up-to-date anti-virus, anti-spy ware, and firewalls on your computer.
  • Regularly check your accounts and billing statements. Be suspicious of bills that don’t arrive as usual, unexpected bills or account statements, and calls or letters about purchases you did not make. Report any errors as soon as possible.
  • Check your credit report annually. The consumer reporting companies are required to give you a free credit report each year if you request it. Visit www.annualcreditreport.com or call 1.877.322.8228 to order your free credit reports.
  • Never have your Social Security number printed on your checks.
  • When you write checks to pay on your credit card accounts, do not put the whole account number in the memo line. Only memo the last four digits – the company will know the rest of the numbers and anyone who handles your check won’t have access to your account number.

What to do if it happens to you:

  • File a police report.
  • If your BSB check book or debit card is stolen, report it to the Bank as soon as possible.
  • Cancel lost cards immediately. Close accounts that have been tampered with. As a precaution, you may want to make photocopies of both sides of the contents of your wallet and keep the copies in a safe place. Should anything happen, you will have copies of your cards, complete with account numbers and contact information.
  • Contact the credit reporting agencies and ask them to place a fraud alert on your reports. With an alert in place, any company checking your credit will know your information was stolen and they must contact you by phone to authorize new credit. The three credit reporting agencies and their phone numbers are: Equifax – 1.800.525.6285; Experian – 1.888.397.3742; and TransUnion – 1.800.680.7289.
  • If a fraudulent account was opened or charged without your permission, contact the fraud department of each company:
  • Follow up in writing, with copies of supporting documents
  • Ask for verification that the disputed account has been dealt with and the fraudulent debts discharged.
  • Keep copies of documents and records of your conversations about the theft.
  • Report fraud to the Social Security Administration (1.800.269.0271) and the Federal Trade Commission (1.877.IDTHEFT).
  • If the crime involves mail, you can report mail fraud to the U.S. Postal Inspection Service at 1.877.876.2455.

If you’d like to find additional information on ID Theft and scams, visit the following websites:

Online Shopping Tips

Online shopping offers many benefits for gift givers who prefer to steer clear of the traditional shopping experience. Make your online shopping as safe as possible:

  • Shop with merchants you know and trust.
  • Always use a credit card online.
  • Make sure the transaction is secure – look for the padlock icon in your browser window frame and the “https://” in the URL when you go to the checkout page.
  • Confirm the bottom line price, shipping schedule and return policy.
  • Regularly check your accounts and billing statements. Be suspicious of bills that don’t arrive as usual, unexpected bills or account statements, and calls or letters about purchases you did not make.

Additional Privacy Policies for the Website

When you visit our website, we collect and store the name of the domain from which you access the Internet (for example, aol.com), the date and time, the internet address of the web site you left to visit us, the name of the pages you visit while at our site and the internet address of the web site you then visit.We also store a session cookie on your browser to aid in this identification. If you send us an e-mail, we may enter the information into our electronic database. You may also be contacted by us for additional information.

Third parties, including Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from our website and elsewhere on the internet and use that information to provide measurement services and target ads. Users can opt-out of the collection and use of information for ad targeting and users can access a mechanism for exercising such choice at  http://www.aboutads.info/choices. Cookies, on the Web, are files that can be written to your computer by websites and then can be read by the website that created them. Cookies can be used to track information about visitors to a website.

We ask that you do not send confidential information to us via e-mail. E-mail is not necessarily secure against interception. If your communication is very sensitive or includes personal information such as account numbers or a social security number, you should call us or send it by regular mail.

As we continue to improve our products and services, our commitment to customer confidentiality will remain a top priority.

If you have any questions concerning our customer information policy, please contact our Compliance Officer at 617-484-6700.

Children’s On-Line Privacy Protection Act (COPPA) Compliance 

The Bank’s website and online services (including mobile apps) are not directed to children under the age of 13.   COPPA only applies to personal information collected online from children, including personal information about themselves, their parents, friends, or other persons from websites or online services that are directed to children. 

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You are leaving the Belmont Savings Bank website. The bank does not endorse or guarantee the products, information, or recommendations provided by linked sites and the Bank is not liable for any products or services advertised on these sites. Each third party may have a privacy policy that differs from the Bank. Any linked site may provide less security than the Bank's website.
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