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"On behalf of First National Bank of Northern California, I welcome you. If you have questions or concerns please feel free to contact me directly at 650–875–4865 or"

- Tom McGraw

America California Bank's Principles of Privacy

America California Bank has always recognized and been guided by the belief that protecting each person's right to privacy is fundamental to the quality of customer relationships. Given the rapid pace of technological advancement in our society, the need to protect personal privacy has become even more important.

To let customers know the high priority that America California Bank places on protecting privacy, we want you to be aware of the principles we follow when collecting, maintaining, using and safeguarding information about your relationship with us.

Privacy Notice Click Here!  

For Additional Information
Questions or comments about the America California Bank privacy policy may be directed to our Compliance Officer.

Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, Secure Sockets Layer (SSL) protocols for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the bank's server, the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the system authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocols. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.

Internet Browser Selection
We strongly suggest the use of browsers that use 128-bit encryption and which also prevent sensitive information from being written onto your hard drive, this prevents unauthorized users from accessing your information.

More information:
If you have any questions or would like additional information, please feel free to email us at Customer Service.