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• Internet Security
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Internet banking uses frames so your browser must support frames. If your browser does not support frames or if it is a version earlier than the browsers listed above, you can click on one of the links above to download a new browser.

Turning meaningful words and numbers into coded language -- that is, encryption -- has been used by banks for more than a century. In the Wild West, in fact, banks conducted much of their banking activities via telegraph, and the bank regularly coded messages such as: "We will pay $1,000 silver tomorrow," was relayed over telegraph lines as confusing jumble like, "Petrify Ambition Distaff Thorny." Internet banking encrypts your online banking session using much more powerful forms of encryption than were available 100 years ago. However, the essence remains the same: Your account information will read as gibberish to all but you and the bank.

City State Bank’s Internet banking makes sure all internet banking sessions are encrypted. That means your password, as well as all information relating to you and your accounts, employ the strongest forms of cryptography that are commercially available for use over the internet. If for any reason your secure session ends, your online banking session automatically terminates.

Everything that travels through cyberspace during your online banking session, from your password to your instructions to pay a bill, becomes a string of unrecognizable numbers before entering the internet. Both FundsXpress’ computers and the browser you use to surf the Web understand the mathematical formulas that turn your banking session into numeric code and back again to meaningful information. While FundsXpress and your computer can easily translate this code back to meaningful language, this process would be a daunting, almost impossible task for unauthorized intruders. That's because there are billions of possible keys that could potentially solve each formula--but only one that will work. Each time you begin an online banking session, your computer and FundsXpress’ systems agree on a random number that serves as the key for the rest of the conversation. What that random number could be depends largely on the strength of encryption your browser uses.

The difference between these two types of encryption is one of capability. 128-bit encryption is exponentially more powerful than 40-bit encryption. Think of it this way: 40-bit encryption, also called international-grade encryption, means there are 2640 possible keys that could fit into the lock that holds your account information. That means there are many billions (one followed by 12 zeroes) of possible keys. 128-bit encryption, also called domestic-grade encryption, means there are 300,000,000,000,000,000,000,000,000 (a three followed by 26 zeroes) times as many key combinations than there are for 40-bit encryption. If you do not have this security and want to upgrade your browser you will need to download the "Extra or Strong" security upgrade from your browser software vendor and apply it to your system.

You can select one of the following links to download an extra security 128-bit browser.

Internet Explorer 128-bit patch

Netscape Download Area