FAQ

  1. What is 2048 bit encryption?
  2. What can I do to help protect my accounts and personal information?
  3. How do I report a suspicious email?
  4. How do I know if I am using The Commerce Bank of Oregon’s site?
  5. What is email fraud?
  6. What is SSL?
  7. Does The Commerce Bank of Oregon use pop-ups to solicit information?
  8. How does The Commerce Bank of Oregon protect my information?




1. What is 2048 bit encryption?


Encryption is a sophisticated scrambling method that is designed to help prevent unauthorized eavesdropping on electronic data. Encryption works by taking a piece of information and processing it with a mathematical formula (called an “algorithm”) that converts the information into a meaningless string of letters and numbers.


2048-bit encryption refers to the size of the key used to encrypt the message. A longer key means the encryption is more random. Each extra bit in a key doubles the complexity of the key.




2. What can I do to help protect my accounts and personal information?


The Commerce Bank of Oregon (TCBOR) takes many precautions to help keep your accounts and personal information secure. You can also take steps to maintain the security of your banking information.



  • Remember that creating phony Web sites and sending bogus emails is easy to do. Be cautious about the emails you reply to!

  • Never click on a link in an email message that asks you to provide sensitive personal, financial or account information.

  • If you are asked to update or verify personal or account information, call TCBOR directly.

  • If asked for personal or account information in an email message, go directly to the TCBOR web site. Open a new browser window, type in the web address (e.g. www.tcboregon.com) and check to see if you must actually perform the task the email may be asking you to do. This may include things like changing your password or opting for electronic statements.

  • Never give out your account information or passwords to anyone.

  • If you are concerned that you responded to a fraudulent email or Web site, report the fraud to TCBOR immediately and change your passwords.

  • Frequently monitor your account activity.

  • Always sign off web sites or secure areas of web sites (for example, Online Banking) for which you use an ID and password to enter.

  • When your computer is not in use, shut it down or disconnect it from the Internet.


3. How do I report a suspicious email?


If you believe you responded to or received a fraudulent email, immediately contact Customer Service at (503) 548-1000 (Mon.-Fri. from 8 a.m. to 5 p.m. PST).




4. How do I know if I am using The Commerce Bank of Oregon’s site?


It is important not to rely on links provided in email messages to get to a Web site. Open a new browser window and type in the full address for the site you are trying to visit. For example, type www.tcboregon.com into your browser. You can also tell that you’re dealing with The Commerce Bank of Oregon (TCBOR) because TCBOR will never send you an email asking for your passwords, credit card numbers, or other sensitive information. We have implemented the following features to help you identify our site:


  • When connecting to our site, you may notice it’s always encrypted. That is to say you see the lock on your browser and the url reads: https://tcboregon.com. This helps mitigate many attacks by fraudsters.

  • We have made Rapport by Trusteer available to our clients. This browser plug-in works invisibly with a behavioral algorithm that actively identifies new Malware from recognized strains as you browse to immediately detect, block, and remove malicious software.



5. What is email fraud?


There are many types of email fraud. An increasingly common type involves the use of phony emails that ask you to provide sensitive personal information that can be used for identity theft.


It is difficult to detect a fraudulent email because the address of the sender appears to be genuine (such as support@TCBOR.com), as do the graphics and page designs. These emails will often request personal information by luring you into providing it on the spot (e.g., by replying to the email) or by including links to a site that tries to get you to disclose personal data.


The people trying to extract this information may use it to access your accounts and withdraw money, or attempt to open new accounts using your information.




6. What is SSL?


Secure Sockets Layer (SSL) is the leading security protocol on the Internet. The protocol allows client/server applications to communicate in a way that is designed to help prevent eavesdropping, tampering, or message forgery. SSL works by using a private key to encrypt data that is transferred over the SSL connection. Both Netscape Navigator and Internet Explorer support SSL, and many Web sites including tcboregon.com, use the protocol to obtain confidential user information. By convention, URLs that require an SSL connection start with https: instead of http:.




7. Does The Commerce Bank of Oregon use pop-ups to solicit information?


As an added security measure, The Commerce Bank of Oregon will never use pop-ups to solicit personal information. If you encounter a pop-up from The Commerce Bank of Oregon asking for personal information, please contact The Commerce Bank of Oregon Customer Service at (503) 548-1000 (Mon.-Friday. from 8 a.m. to 5 p.m. PST).




8. How does The Commerce Bank of Oregon protect my information?


Several measures have been taken to help secure customer information over the Internet, including the use of individual User Names and Passwords to authenticate users of Internet Banking. Also, The Commerce Bank of Oregon uses SSL technology to help secure your personal information.


The Commerce Bank of Oregon, a division of Zions Bancorporation, N.A. Member FDIC       Equal Housing Lender NMLS# 467014
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