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Online Banking

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Security Center

09.05.14 - Potential Home Depot Data Breach - CLICK Home Depot for more information.

06.26.14 - Svpeng Malware Targets Android Devices- CLICK sveng malware for more details.

04.29.14 - Microsoft has announced a security vulnerability that could exploit online banking websites - CLICK Microsoft Vulnerability for details.



Fraud Prevention/Disclosures

Online Security Practices

At Liberty Bank, we are committed to providing our customers with a safe and secure Internet Banking environment. While the bank, along with our service providers, continues to evaluate and implement the latest improvements in Internet security technology, users of our Online Banking services also have responsibility for the security of their information and should always follow our security recommendations.

User Identification (Access ID) and Password Setting Requirements

Access IDs must be a unique combination of 6-19 characters long and should not be your Social Security number or Tax ID number. Passwords must be between 8-16 alphanumeric characters long, are case-sensitive, and must be different from your Access ID. Your password is valid for one year. After one year, you'll be required to change your password.

Password Security
The safety and security of your data is extremely important to us. To ensure the security of your financial information at Liberty Bank, we recommend the following:

  • Never give out your password. Mixing upper and lower case letters is encouraged. When creating a password, do not duplicate the previous password.
  • Use a "Strong" Online Banking password. A strong password includes a combination of case, letters, numbers, and special characters. It should be easy for you to remember but very difficult for others to infiltrate.
  • Do not write your password down. This information can be lost and fall into the wrong hands.
  • Avoid using password Managers. They might be convenient, but makes it easy for you to forget your password. It's a good idea to change your password often.
  • Use our Forgotten Password Feature. Click on our homepage to Online Banking, and then select the "Forgotten Password" link.
  • If you get locked out, you may also call us to have your password reset.
  • Use the "Log Off" link to end your Online Banking session.
  • Please call us if you need help 417-888-3000.

Banking Account Protection
When using Online Banking, we strongly recommend that you always "Log Off," use Alerts whenever possible, and enroll in Electronic Statements. Always select "Log Off" when you finish your Online Banking session. If you do not, Online Banking will automatically log you off after 10 minutes of inactivity.

Alerts, sent via email, allow you to monitor specific account activity. Bank-initiated alerts provide added security by advising of any changes within your accounts related to your online security. Optional alerts, set up by you, monitor specific activity such as balance alerts. All alerts can be set up within Online Banking. Contact Liberty Bank immediately if you notice questionable transactions.

Enroll in Electronic Statements to stop receiving paper statements in the mail. This helps to reduce the threat of having your statements stolen out of your mailbox.

Threats to your personal banking account extend to offline banking. To keep your information safe and secure, never write your Personal Identification Number (PIN) on the back of your debit card or on a piece of paper you keep in your purse or wallet. Also, do not use a number that can be found on your personal documents or identification.

Don't reply to emails that ask for your account information, give your account information to phone solicitors or provide your credit or debit card number online unless you are on a website you trust. Your bank will never call or email you for that information - it already has it.

Never keep your bank statements, checks, debit, and credit cards in an unsecured place, such as a glove compartment, where anyone can gain access to them. Be sure to shred all financial documents before throwing them away.

Business Online Banking

Online banking is a great tool to help your small business conveniently track financial information, including paying bills and employees. However, not establishing procedures to secure the credentials used to access your business bank accounts online can increase the liability of its financial transactions. Your small business can protect itself by following and implementing a few simple steps within your company.

To keep your information safe and to better protect your accounts businesses should:

  • Educate your workforce
  • Designate a person to handle security and preparedness
  • Use Strong Passwords
  • Control Network Access
  • Defend Company Computers
  • Have a Plan to Address Cyber Incidents

Other things a business can do to protect itself:

1. Initiate a "dual control" payment process with your bank and employees. Ensure that all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated-including checks, wire transfers, fund transfers, payroll files, ACH (Automated Clearing House) payments, etc.

2. Have dedicated workstations. If possible, restrict the use of certain workstations and laptops to be utilized solely for online banking and payments. For example, a workstation or laptop used for online banking should not be used for web browsing or social networking.

3. Use robust authentication methods and vendors. Make sure your bank allows for "Multi-Factor Authentication." This means that you need more than just a username and password to access your account. Liberty Bank does use Multi-Factor Authentication.

4. Update virus protection and security software. Ensure that all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Also, implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.

5. Reconcile accounts daily. Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.

For more information on how to practice good Internet safety and security habits for your business follow this link to the US Chamber of Commerce article titled Internet Security - Essentials for Business.

Fraud and Security Tips

ATM Security

Choose a facility that has limited foliage. Avoid using ATM's during hours of darkness. If an ATM facility must be used at night, have another person accompany you and try to select an ATM in an area that is well trafficked and well lighted.

Familiarize yourself with security devices in place at the ATM you elect to use. Look for possible fraudulent devices attached to the ATM. If the ATM looks different or appears to have any attachments over the card slot or PIN pad, do not use the ATM.

Observe the entire area from the safety of your car before approaching the ATM machine. Look for suspicious persons loitering nearby. Keep the doors locked, windows up and engine running at all times when waiting in line at a drive up ATM. If anyone or anything appears to be suspicious, leave the area at once.

Be cautious of anyone who engages you in conversation as you approach the ATM, while you are using it, or immediately thereafter. Be suspicious of anyone who closely observes you while you are using the ATM. Protect your PIN from view. If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.

Minimize time spent at the ATM by having your card out and ready to use. Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or the amount of the transaction. Do not reveal your PIN to anyone in person or over the phone for any reason, even if the individual represents themselves as a bank employee.

Once you have completed your transaction, take your money, card, and receipt and immediately move away from the terminal. Do not count or needlessly expose cash at the ATM. If anyone follows you after making an ATM transaction, go immediately to a crowded, well lit area and call the police.

Fake Check Scams

How It Works
To your surprise, you receive a large check with instructions to deposit into your account, keep a portion of the funds for your trouble, and immediately wire transfer out the rest the money to the sender. Beware! It's a scam. Most likely the check is a fake that will be returned to the bank unpaid.

Typical Scams

  • Lottery, sweepstakes, or prize winnings - but you never entered such a contest.
  • Payment of the first installment of millions you will receive, after you wire transfer out a portion of the funds.
  • Payment for something you advertised for sale - but the check amount is greater than the sales price.
  • Payment to work at home.
  • Advance payment to act as a mystery shopper.

Fraudulent Checks
The phony checks look real. Fraudulent checks can be bank cashiers checks, money orders, or business checks. If you deposit such a check, it may take weeks for it to be discovered and returned to the bank unpaid. However, you are responsible for the items you deposit. When the check is returned as counterfeit, the bank will deduct the amount from your account. If you have used those funds, you will suffer a financial loss.

Protect Yourself

  • Be suspicious of receiving a large sum of money with little or no effort. Remember, if something sounds too good to be true, it probably is.
  • Reject any offer that requires you to pay for a prize or gift.
  • Beware of any offer that includes instructions to immediately wire transfer a portion of proceeds to the sender.
  • Never accept a check for more than your selling price if you are expected to pay the excess amount to someone else.
  • Contact the bank that issued the check to verify its authenticity. When contacting the bank, do not use the phone number printed on the check, as this number could be the scam artist.

More Information
To receive additional information or to report a scam, contact the National Consumers League's National Fraud Information Center ( or telephone (800) 876-7060.

Identity Theft

Identity theft is one of today's fastest-growing crimes. Identity theft occurs when someone steals your personal information and identification. They may open credit card accounts, apply for loans, rent apartments, or purchase phone services- all in your name. In many cases, they request address changes so you never see the bills for their activity. These impersonators spend your money as quickly as possible.

Most identity theft victims never know they have been taken advantage of until they apply for a loan or receive a call from a collection agency. Clearing your name and the effects of identity theft can be a nightmare and take a great deal of time. You can spend months or even years re-establishing your creditworthiness.

Some helpful tips to avoid becoming a victim of identity theft:

  • Don't share your secrets. Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.

  • Shred sensitive papers. Shred receipts, banks statements and unused credit card offers before throwing them away.

  • Keep an eye out for missing mail. Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen. Also, don’t mail bills from your own mailbox with the flag up.

  • Use online banking to protect yourself. Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions.

  • Monitor your credit report. Order a free copy of your credit report every four months from one of the three credit reporting agencies at

  • Protect your computer. Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an "s" after the "http" to be sure the website is secure.

  • Protect your mobile device. Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.

  • Report any suspected fraud to your bank immediately.

    Click here for more information on how to avoid ID theft.

Steps to take if you become a victim of identity theft:

  • Notify the Credit Bureau. Contact one of the three credit bureau's fraud departments. The one you contact will notify the other two. Request that a "fraud alert" be placed in your file, as well as a victim's statement asking that creditors call you before opening any new accounts or changing any existing accounts. To report fraud:



Trans Union

  • Request a copy of your credit report. Credit reports are free to fraud victims.

  • Notify financial institutions. Call the financial institution where the fraud occurred.

  • Open new accounts and have affected accounts closed.

  • Have new PINs and passwords issued.

  • Consider contacting other financial institutions where you may have accounts.

  • File a police report with your local police department. Ask for a copy of the report, or at the very least record the date, time, and number of the report; the location of the department; and the name of the officer taking the report.

  • Call the Federal Trade Commission. The FTC's toll-free "Identity Theft Hotline" is 877-438-4338 and their website is A Consumer ID Theft Complaint Form can be obtained and completed.

  • Report any suspected stolen mail. Contact your local postal inspector and check the post office for unauthorized change of address requests.

  • Keep a record of events. Write down everyone you contacted. Record the time, title, and phone number of each person you spoke to. Also, note the substance of what was discussed and any report, case, or reference numbers. Keep copies of any reports or affidavits you send and any letters or information you receive.

Consumer Rights under the Federal Credit Reporting Act (FCRA)

  • Ask the national credit bureaus to place an initial or extended fraud alert in your file. These alerts require that creditors contact you before opening any new accounts or changing existing accounts.
    • An Initial Alert stays on your file for at least 90 days and entitles you to a free copy of your report on file at each of the three credit bureaus.
    • An Extended Alert stays on your file for seven years and entitles you to two free credit reports in a 12-month period from the time the alert was placed.
  • Obtain documents relating to any fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, but you must ask for them in writing.

Types of Electronic Fraud

It is Liberty Bank’s policy to not send confidential account information through email because it is not encrypted and is not a secure form of communication. You should never enter private, personal information in a form that was sent to you via email.

Liberty Bank will never request a customer's personal, confidential information (bank card number, account number, social security number, personal identification number, or password) through email (or telephone contact). If you should ever receive an email (or telephone call) requesting your personal confidential information that appears to be from Liberty Bank, do not respond to the email (or telephone call) and contact us immediately at 417-888-3000.

Internet "phishing" scams are one of the fastest-growing frauds today. Basically, the scam uses "spam" (unsolicited email) to bait consumers into disclosing sensitive personal information such as social security numbers, credit card numbers, personal identification numbers, passwords, and other private information.

These unsolicited emails give the appearance of being from legitimate businesses. In fact, fraudsters usually pick a business that the potential victim actually does business with. The fraudsters tell the email recipients they need to "update" or "validate" their billing information to keep their accounts active.

To help set the hook, they even direct their potential victims to a website that imitates the look of the legitimate website with logos, colors, and designs to match. The consumers then submit their information to the impostor, who then uses the personal data to commit identity theft.

Pharming is a newer and more advanced technique than Phishing. In this scheme, people are redirected from a legitimate web site to a malicious one that appears similar, both in form and content, to the original site. Once on this site, thieves will attempt to collect personal information such as login names and passwords.

A Trojan horse is a program that installs malicious code that is hidden or harmless until an action, such as clicking a link, is executed. Once this code is launched, the hacker may be able to capture keystrokes to gather passwords or other confidential information. Trojan horses are often spread through email or are embedded in web pages. Attackers often will include Trojan horses with other viruses, spyware, and worms into "free" downloads, such as screensavers. By their nature Trojan Horses are difficult to detect. The best way to tell if your computer is infected is to run a scan of your system with a security software program.

Spyware is malicious software that is loaded onto your computer without your knowledge or permission with the intent of collecting information about you. This information can be anything from the web sites you visit to sensitive personal information including login names and passwords.

Tips to protect yourself against internet, COMPUTER and email fraud:

1. Never click on links in unexpected email. If you get an email that warns you, with little or no notice, that an account of yours will be shut down or suspended unless you reconfirm your billing information, do not reply or click on the link in the email. Instead, contact the legitimate company cited in the email using a telephone number or web address you know as genuine. Always type in the web address to the website in the internet browser.

2. Make sure you are using a secure internet connection. Before submitting confidential information via the internet, ensure that the web site you are visiting uses SSL. SSL stands for Secure Socket Layer and is a communication protocol used to secure data transfer on the internet. First, look at the address bar at the top of your browser. If the website address begins with "https://", then you have established a secure connection. If it begins with "http://", the connection is unsecured. Second, look for a "lock" icon in your browser's status bar (bottom corner of your browser). The lock verifies that your connection to the website is secure.

Read all privacy policies carefully. If you read terms that seem questionable, do not install the software.

3. Install updated anti-virus and anti-spyware software. Both viruses and spyware can leave your computer vulnerable to attack and intrusion. Anti-virus and anti-spyware software will keep your computer safe from malicious software that might have installed itself or tried to install itself onto your computer. Anti-virus and anti-spyware software is especially important if you are using a broadband internet connection like DSL, cable, or satellite.

4. Install a firewall. A firewall will prevent attacks on your computer from the internet by determining if a requested connection is malicious. A firewall is especially important if you are using a broadband internet connection like DSL, cable, or satellite.

5. Keep your internet browser, operating system, anti-virus, anti-spyware, and firewall up to date. Visit the manufacturer's website regularly and check for software and security upgrades. Enable the automatic windows updates or download Microsoft updates regularly. A computer with an updated operating system behind a firewall is the best defense against Trojan and spyware installation. Download the latest version of your internet browser to ensure that it is also fully updated and utilizes the latest technologies to identify and filter out sites that can install Trojans.

6. Avoid emailing personal and/or financial information. Email systems are not encrypted and therefore emails should not contain confidential information.

7. Open emails only from known senders. You shouldn't open emails from a sender which is not known to you. Be especially careful about opening an email with an attachment. We advise that you shouldn't open attachments unless you are confident that you can trust the source. Open attachments only from sources you trust and be careful when engaging in (peer to peer) file sharing. Trojans can sit within file sharing programs waiting to be downloaded.

8. Check statements and accounts regularly. Unfortunately, indicators of authenticity can be spoofed by hackers. Because of this, these checks are not absolute indicators of the safety of a web site. Therefore, it is important to also check your statements and account information to validate expected transaction history.


Free Credit Report

Free annual credit reports are available through the following three credit reporting agencies (Equifax, Experian and Trans Union) at (877) 322-8228 or may be ordered online at or by completing the Annual Credit Report Request form, available at and mailing it to:

Annual Credit Report Request Service
PO BOX 105281
Atlanta, GA 30348-5281

Consumers must utilize the contact information listed above to request the free copies. Consumers who contact the reporting agencies directly will be charged for their credit reports.

How do I dispute inaccurate information on my credit report?
You must contact EACH of the three credit reporting companies at the following address or phone numbers:

PO BOX 105873
Atlanta, GA 30348
Phone: (800) 685-1111 or (800) 977-2493
Experian Consumer Assistance
PO BOX 2104
Allan, TX 75013-2104
Phone: (888) 397-3742
Transunion Consumer Disclosure Center
PO BOX 1000
Chester, PA 19022
Phone: (800) 888-4213


Security Links and Phone Numbers

By clicking on the links below you will be leaving Liberty Bank's website. Liberty Bank makes no endorsement of these sites or organizations and does not assume responsibility for the information or any use you may make of this information.

National Do Not Call Registry

To have your phone number(s) removed from telemarketers National calling lists. Register online at or call (888) 382-1222 Note: must call from phone number you would like to register.

Missouri Do Not Call Registry

To have your phone number(s) removed from telemarketers Missouri calling lists. Register online at or call 866-662-2551 Note: must call from phone number you would like to register.

Opt out from pre-approved credit offers

To be removed from email solicitation lists: