Your online security is of the utmost importance. We will never contact you and ask for your password, security access codes, or any other confidential information. If you receive an email, phone call, or pop-up window requesting unusual information, contact us immediately at (314) 851-6200.

Browser support is subject to change, so we encourage users to configure browsers for automatic browser updates. Always use the latest version of your browser for the most secure experience.

Google Chrome (current and previous two versions) is the recommended browser for Microsoft Windows and MacOS.

Mozilla Firefox (current and previous two versions) is supported for use on both Microsoft Windows and MacOS.

Microsoft Edge (current and previous versions) is supported for use on Microsoft Windows but is not supported for use on MacOS.

Safari (current and previous two versions) is not supported for use on Microsoft Windows but is supported for use on MacOS.

For the most secure and consistent experience on mobile devices and tablets, download our Android or Apple application from your app store.

The use of browser cookies is the most common way that banking systems can uniquely register the device or computer you normally use to access your accounts. Whenever you connect to online banking, the system uses these encoded cookies to verify that this is one of the registered computers that you use for access. If that cookie is not present, then the system understands there is a greater risk that your credentials may be under the control of someone other than you, so the system requires you to receive and enter a one-time Secure Access Code. This code can be delivered to your phone number, mobile device, or e-mail account. You will also have the opportunity to register the computer being used to avoid having to receive a Secure Access Code each time you log in. Beginning 1/2/2024, Secure Access Codes will no longer be available via e-mail.

Email is not a secure form of communication. Unlike Online Banking, it does not use SSL encryption, so please never send anyone sensitive information such as your social security number or account number via email. We will never ask for sensitive information via email. If something seems suspicious, give us a call directly at (314) 851-6200.

Business Email Compromise (BEC), is a type of fraud where a scammer will spoof or take charge of a business email account to create, redirect or change a transaction, commonly posing as an executive, existing vendor, or employee. The scammer will use everyday business practices and impersonation to create immediate financial loss to their target. Oftentimes, a compromised email account will request an urgent or immediate response, encouraging respondents to send a rushed reply without stopping to think or question first. These emails are often sent at a busy time, such as late afternoon or on a Friday evening, when employees are more likely to be hurried and tired.

Some common BEC scenarios include:

• A scammer posing as an employee of an existing vendor sends an invoice that looks legitimate and requests payment to a new account number or even a new financial institution.
• A "property management company" sends a notice that a lease is about to expire, and a deposit is needed urgently to hold the space.
• An email appearing to be from the CEO to a finance employee requests a wire transfer for a down payment on the acquisition of a new company – and demands secrecy because the deal isn't finalized.
• A scammer posing as a business or government entity will ask you to buy a gift card and give them the numbers from the back of the card.
• An individual will send you funds and then contact you stating the funds were accidentally sent and request you send them back via Zelle, Venmo, or other electronic payment apps. Most times these funds are sent from stolen credit cards or hacked accounts from other victims.
• An email appearing to be from our bank asks you to provide a one-time password or authorization code.

Tactics used in emails by scammers include but are not limited to:

• Phishing. Phishing is a scheme that scammers use to trick people into believing they're receiving a legitimate email. Oftentimes, these phishing emails ask recipients to verify or update your personal information by clicking a link directing you to a bogus website. This tactic tricks people into giving up their personal information such as username and password.
• Malware. Scammers are adept at using malware to gain access to your email account to view legitimate emails, especially to find out who is likely to be sending or receiving money so they can target them. These scammers use social engineering to watch email exchanges for weeks in order to find the best ways to pull off their fraud. While they're in the system, they can also gather personal information to scam employees and customers or sell their personal information on the dark web.
• Spoofs. Scammers can skim logos, website information and email addresses from the internet and use them to create realistic-looking emails with a variation on an actual address. For example, they can change one or two letters in a company's or individual's name, or use a different domain name, but follow the same format as a typical company's email address, so that the email looks legitimate at first glance.

Ways to protect yourself:

• Be suspicious of people you don't know contacting you via email asking for payments or sensitive login information. You can significantly reduce your fraud exposure by calling the person or company that the communication alleges to be from to verify authenticity. Just be sure, before you call, that you've obtained their number from a separate trustworthy source instead of relying on a potentially fake phone number provided within the suspicious email.
• Never send money to anyone who claims your account is compromised or who threatens to cut off your services. Instead, search via a reliable source for the correct contact information of the company in question, and call to verify or report the suspicious email.
• Carefully read the email address of the sender and the destination of any links included, to ensure the link target matches the legitimate website of the vendor or company you're familiar with. Avoid opening attachments or links from email addresses that have spelling errors or look otherwise suspicious.
• Train your employees! You likely have systems in place to protect your data and prevent your company from receiving malicious emails, but training employees in the topics discussed here can be the most effective way to protect your company from these scams.

If you think you were the victim of an email compromise:

• Immediately call Saint Louis Bank customer service at (314) 851-6200
• Contact the FBI to report the crime
• File a complaint with the FBI's Internet Crime Complaint Center www.ic3.gov

• Check your accounts regularly and often
• Use strong passwords, change them regularly, and don't use the same password for multiple accounts
• If you notice anything suspicious on your accounts call us immediately at (314) 851-6200
• Sign up for alerts to help you detect suspicious activity
• Keep documents such as your social security card or passport in a secure area at home or in a safety deposit box
• Review your credit report at least once a year
• Shred private documents such as receipts, applications, bank statements, etc.
• Never provide personal information, access to your computer, or transfer money based on unsolicited calls, text, or emails.
• Do not access your banking or other sensitive online information on a public wifi network

Please review your online and mobile banking alert settings.

There are 5 types of alerts you can expect to receive via our online banking system:

1. Account Alerts notify you when the balance in one of your accounts drops below, meets, or rises above a specified threshold.

2. History Alerts review your account transaction history and let you know when a specified check number posts, a credit or debit transaction is greater than or less than an amount that you specify posts, or a transaction description matches text that you specify posts.

3. Transaction Alerts notify you when a transaction is generated via Online or Mobile Banking.

4. Reminders will alert you when a specific event is taking place, such as a meeting or appointment.

5. Security Alerts inform you when a security-related event occurs. You may turn most of these On or Off if you wish, but some are configured by us to be permanently enabled.

ACH Payments

- Batch Origination 4:00 PM

- Same-day ACH 2:00 PM

Positive Pay

- Check Positive Pay 4:45 PM (transmit issued check information)

- Check & ACH Positive Pay 6:00 AM (exception items available)

- Check & ACH Positive Pay 12:00 PM (exception item decision deadline)

Wire Transfers

- Domestic Wire Transfer 4:00 PM

- International Wire Transfer 2:00 PM

Other Online Banking Functions

- Stop Payment 5:00 PM

- Internal Account Transfer 5:00 PM

- Loan Transfer 5:00 PM