Website Policy

Website 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?
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!


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 visit our ID Theft page.

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, visit our ID Theft page.

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 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, 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 Web Site

When you visit our website, we collect and store the name of the domain from which you access the Internet (for example,, 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.
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.
We do not use cookies anywhere in our site. 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.

Belmont Savings Bank
2 Leonard Street

(Belmont Center)
Belmont MA 02478
Belmont Savings Bank
277 Trapelo Road

Belmont MA 02478
Belmont Savings Bank
53 Mount Auburn Street

(Watertown Square)
Watertown MA 02472
Belmont Savings Bank
1070 Lexington Street

(Inside Star Market)
Waltham MA 02451
Belmont Savings Bank
699 Mount Auburn Street

(Inside Star Market)
Cambridge MA 02138
Belmont Savings Bank
33 Austin Street

(Inside Star Market)
Newton MA 02460
Security Center | Website Policy | Privacy Policy | Security Awareness

2 Leonard Street, Belmont, MA 02478, 617-484-6700  |  NMLS ID #486283

Member FDIC Member DIF
Equal Housing Lender Instagram YouTube Twitter Facebook