As our customer, we know how you typically behave, such as when and from where you access online banking. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity—so that we can ensure it is you and not someone else trying to access your information. This will only happen on rare occasions. Normally you will not be asked for any information beyond your Sign-On ID and Password. For example, if someone tries to sign in with your Sign-On ID and Password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.

Multi-Factor Authentication uses more than one way of verifying your identity. Besides just using your Sign-On ID and Password to sign in to Online Banking, another form of security and verification is used for your protection.

There is absolutely no cost to you associated with our security system.

We value your privacy and the protection of your identity. Traditional password-only sign-on requirements provide minimal security since they are static and easy to steal, break, or crack. Multi-Factor Authentication provides added security against identity theft, phishing, spyware, and other online scams. Multi-Factor Authentication provides an enhanced method for validating the identity of a person using online products and services. By providing another way for you to verify who you are when signing on, Dean Bank gives your financial information an added layer of security. This is for your own protection.

Your User ID remains the same every time you sign on. You will be prompted to change your Password once a year; however we suggest you take the initiative to change it every 90 days. Your Security Questions will require updating every 180 days.

After you are first prompted to set up your security information, you will be prompted to update your questions every 180 days for your security. Besides these updates, you will only be prompted to answer questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.

Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.

All banks offering internet-based financial services, including Dean Bank, are required by Federal examiners to provide a second level of security.

If your Sign-On ID and Password are stolen, the fraudster would have to be able to answer your security questions correctly. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your information.

It is great you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

Yes. In fact, your personal information is as safe as ever because we are making sure it is really you and not an unauthorized user trying to access your information. That means you are being protected every moment — when you are online and more importantly when you are not.

Yes, you can both use the same computer to login to your individual accounts. There is no limit on how many people can login from the same computer.

We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. Our security feature protects against other kinds of threats such as a stolen Sign-On ID and Password. It works with your other personal security programs, but it does not replace them.

If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose. We will not ask you to answer questions that you did not select and provide answers to when initially setting up your security information.

The security system takes into account factors such as the computers you typically use to access your account, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity appears to be really you.

You do not need to sign up as all users are automatically enrolled. Expect to be prompted when first banking online to choose several security questions that only you know the answers to. This will only take you a couple of minutes to complete. Once you submit these questions and answers you will have added a layer of protection to your internet banking access! Keep in mind that we will never ask you for your account number or your social security number online.

No. Financial institutions are requiring a variety of other security measures, including selection of personal icons, ID tokens, automated phone calls, and multiple security questions.

Phishing is a type of fraud. The term "phishing" (pronounced fishing) refers to a scam that tries to obtain and use an individual’s personal or financial information in a fraudulent manner. Generally a person will experience the following process from a fraudster conducting a phishing scam:

• A consumer receives an email, which appears to originate from a financial institution, government agency, or other well-known/reputable entity.
• The message describes an urgent reason you must "verify" or "re-submit" personal or confidential information by clicking on a link embedded in the message.
• The provided link appears to be the Web site of the financial institution, government agency or other well-known/reputable entity, but in "phishing" scams, the Web site actually belongs to the fraudster/scammer.
• Once inside the fraudulent Web site, the consumer may be asked to provide Social Security numbers, account numbers, passwords or other information used to identify the consumer, such as the maiden name of the consumer's mother or the consumer's place of birth.
• When the consumer provides the information, those perpetrating the fraud can begin to access consumer accounts or assume the person's identity.

The number and sophistication of fraudulent activity will continue to increase. As a general rule you should be very careful about giving out your personal information over the internet.

• Be suspicious of any email with urgent requests for personal financial information.
• Don't click the links in an email, instant message or chat if you suspect the message might not be authentic or you don't recognize the sender or user's address.
• Always ensure that you're using a secure website when submitting credit card or other sensitive information via your web browser. Remember not all scam sites will try to show the "https://" and/or the security lock. Get in the habit of looking at the address line as well.
• Regularly log onto your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate.
• Ensure that your browser is up-to-date and security patches have been applied.
• Always report "phishing" or "spoofed" emails.

If you suspect that your accounts have been compromised report the incident right away by calling a Dean Bank Representative at 508.528.0088.

Your User Name and Password can be compromised in a variety of ways, by responding to a phishing email, via a keylogger or Trojan horse virus that was installed on your PC through a fraudulent email or by someone with whom you may have shared your user name and password. Your User Name and Password are critical components of securing your data therefore to protect them from being compromised you should never share them with anyone or write them down.

Keylogger access is often downloaded inadvertently by users clicking on links in fraudulent emails and poses a dangerous threat to user privacy. A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this data into a file or transfers it via the internet to a pre-determined remote location. It also can capture screenshots of the user activity, log-in passwords, record online chat conversations or take different actions in order to find out what a user is doing.

In addition to technology deployed by Dean Bank to ensure customer safety, Users should utilize these additional security guidelines:

• Consider conducting online banking from a PC that is not used for internet or email access.
• Review and reconcile your accounts on a daily basis and report any suspicious activity to Dean Bank immediately.
• Be suspicious of emails purporting to be from a financial institution, government department or other agency requesting account information, account verification or banking access credentials such as usernames, passwords, PIN codes and similar information. Dean Bank will never call you and ask for personal or business information over the telephone or request information via email.
• Install a dedicated, actively managed firewall, especially if you have a broadband or dedicated connection to the internet, such as DSL or cable. A firewall limits the potential for unauthorized access to a network and computers.
• Create a strong password with at least 5 characters, 1 uppercase Character and with at least one number.
• Prohibit the use of "shared" usernames and passwords.
• Change your password periodically throughout the year.
• Never share or write down your username and/or password information.
• Install anti-virus and ensure it is updated regularly.
• Complete a periodic scan of your PC using your anti-virus software.
• Ensure computer updates are completed regularly or as requested, particularly operating systems and key applications. It is often possible to sign up for automatic updates or update notifications for your operating system and many applications.
• Consider installing a spyware detection program or software.
• Verify use of a secure session by noting the https (not http) in the browser’s web address bar and looking for the picture of the lock in the bottom right hand corner of your browser.
• Avoid using automatic login features that save usernames and passwords for online banking.
• Never leave a computer unattended while using any online banking.
• Never register a computer to use your Dean Bank Online Banking at internet cafes, public libraries, etc.

Yes, Dean Bank uses https for any secure areas on its website and for online banking and online account services.

Web browsers will encrypt text automatically when connected to a secure server, evidenced by an address beginning with https. The server decrypts the text upon its arrival. This process protects against anyone "listening in." They would only see unreadable gibberish. Dean Bank deploys https in all areas where private information is input or accessed.

Encryption refers to complex algorithmic schemes that encode plain text into non-readable form or cyphertext. The receiver of the encrypted text uses a "key" to decrypt the message, returning it to its original plain text form. The key is the trigger mechanism to the algorithm, all communication from you to the system, and from the system to you, is encrypted using a maximum of 128 bits, which is the current standard for encryption.

Dean Bank provides layers of security protection by deploying the following functionality in online banking:

• Use of https 128 Bit encryption
• Multi-Factor Authentication functionality
• Challenge questions, secure access codes, and/or one time passwords via SMS
• Anti-phishing functionality
• Security & Account Alerts

Dean Bank deploys a risk and fraud analytics program, which monitors online banking behavior and identifies transaction irregularities. This service provides the opportunity to identify and provide a quicker response to attempts to commit fraudulent activity.

Mobile banking is a fast and convenient way to access account information and make transfers on the go. Mobile devices are however often easily lost or stolen. To ensure the protection of your information some functionality is not available in the mobile banking environment such as:

• Password Changes
• Security Information Changes which includes the Challenge Questions and the Challenge Picture for Multifactor Authentication
• User ID Changes
• Contact Information Changes including email address
• Payee Creation or Changes

It is also important to note that there is no data stored on your mobile device aside from a cookie that holds information on the device itself.

Here are some tips and general good practices for banking on your mobile device:

• Download and apply security updates and patches to your mobile browser when they are made available by your wireless provider. These are designed to provide you with protection from known possible security problems.
• Research your mobile device to determine its vulnerability as some devices are more vulnerable than others.
• To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources.
• Do not install pirated software or software from unknown sources.
• Limit unauthorized access to your mobile phone. Do not leave your mobile phone unattended during an open mobile banking session.
• Never save your User ID and Password in the mobile phone, in memos, or anywhere on your device.
• Always remember to log off properly using the "Sign Off" button when you have completed your mobile banking activities.Be aware of the potential for fraudulent mobile banking apps.

No. Regular email is not secure. Never email personal financial information such as account numbers or your Social Security number.

No. Dean Bank will never ask for your PIN or password. We have implemented alternative methods of verifying your identity.

Dean Bank provides MasterCard^™ SecureCode^® to assist in your ATM/debit card personal information protection as well as security tips to help protect yourself and your family. For further information please visit the Security Center.

You understand that the statement information received from Dean Bank will be encrypted and password protected for your security. As a result, you will be required to enter your Sign-On ID and Password to view the electronic statement(s) and check images. Your Sign-On ID and Password are highly sensitive and extremely confidential and must not be disclosed to others or recorded in or on your personal computer.

In case of errors or questions about your electronic statement(s), you can contact us by telephone at 508.528.0088, or notify us in writing at Dean Bank, P.O. Box 307, Franklin, MA 02038 as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error; so that you will have the use of the money during the time it takes us to complete our investigation.

You can gain access to your account statements by using any type of computer connected to the internet and logging in to Dean Bank Online. The preferred browser is Microsoft Explorer version 4.04 or higher. Upon requesting eStatement service, you will receive an email with links to the sites from which you can download all the required software.

By opting to receive eStatements, Dean Bank will discontinue sending you paper statements via postal mail service. Your eStatements contain the same information as a paper statement and can be printed out. You will need a printer if you want to create a paper copy of your statements. By requesting to receive your statements electronically, you are telling Dean Bank that you have printing capabilities. If you decide to stop receiving eStatements and return to traditional paper statements, please contact us and we will make this change.

You will be notified by email each time that a new statement becomes available for viewing online. In order to send you notification of your current eStatement, we must always have your current email address on file. If you are an existing Dean Bank Online customer, you will be asked to verify the email address we have on file when you sign up for eStatements. If you are not yet an online banking customer, you will be asked to provide us with an email address that will be used to send you all electronic statement related notifications. Let us know immediately if your email address changes.

View Mobile Deposit User Agreement This will need to be updated once documents are migrted to this CMS.

Dean Bank’s Mobile Deposit service is designed to allow you to make deposits to your checking, statement savings, or money market savings accounts remotely by capturing a digital image of a paper check with a mobile device and electronically delivering the image to the Bank.

You may use Mobile Deposit to deposit checks into your checking, statement savings or money market account, if linked to your Dean Bank online banking account.

If you go over your transaction or deposit limit, the transaction will not be accepted. You will receive an error message stating that your limits have been exceeded and the deposit cannot be processed.

Checks successfully deposited through Mobile Deposit prior to 4:00 PM Eastern Time on any business day will be deemed to have been received by the bank on that business day. Deposits after the cutoff time or on a Saturday, Sunday or day the bank is not open will be considered received on the next business day.

Currently, the Bank does not charge a fee to consumer accounts for use of Mobile Deposit. Business accounts will be charged a fee as indicated by the Business Fee Schedule. Wireless connectivity and usage rates may apply. Contact your wireless service provider for more details.

Funds deposited using Mobile Deposit will be made available to you by 9:00 AM Eastern Time on the next business day after the day we receive your deposit. Checks deposited through Mobile Deposit will not appear in your account history or balance until the next business day after the day of deposit.

You should secure the check in a safe place and note on the check that it was “Electronically Presented” as part of a mobile deposit. The check should be kept for at least sixty days after you receive your confirmation. At that time, you should destroy the deposited check so that no one attempts to negotiate it in the future. Before destroying, verify on your account statement that the deposit was received and credited to your account.

Deposits made using Mobile Deposit can be viewed for 30 days after the deposit was processed by logging into the mobile banking app and selecting View Mobile Deposit History on the Mobile Deposit Main Menu. Your deposit history is also available for viewing on Online Banking.

Each check must be deposited as a separate deposit transaction. You can, however, make multiple deposits as long as you do not exceed your daily or monthly dollar limit.

Yes. There are daily and monthly limits. The daily deposit limit for consumer accounts is $2,000 and $10,000 every 30 calendar days. The daily deposit limit for business accounts is $5,000 and $50,000 every 30 calendar days.

First, you must sign in to the mobile banking app using your Dean Bank Online user ID and password. If you are not already a Dean Bank Online user, please visit our website to enroll. Once logged in to the mobile banking app, select Mobile Deposit from the menu of banking activities. Endorse your check per the terms of our Agreement, choose the account to receive the deposit, enter the amount of the check, take photos of the front and back of the check, verify the information you have entered, and submit the deposit.

By default, you will have a Dean Bank Rewards account for each checking account that has a debit card. Each of these Rewards accounts will separately accumulate DeanPoints based on the usage of the debit cards associated with each checking account. If you are the primary owner on more than one checking account, you may consolidate the separate Rewards accounts associated with each checking account into one Rewards account. This will allow you to manage all your earned and redeemed points in one place and will make it easier to earn better rewards faster. Please see or speak with a Bank representative to do this. Note: Once Rewards accounts are combined, they cannot be separated again.

Once registered online, you can access your Rewards account information at any time to determine how many points you have, to view all the merchandise, gift card, travel and download options available for redemption, and to actually redeem points as well.

If you have not yet registered your Rewards account online, you have the ability to select this option during the registration process. See above for registration instructions. If you have already registered for online access but did not select the eStatement notification option at the time, you can still do so. Click here and select Yes for Send notification via email when online statement is available.

Click here and use these instructions. You will need the primary owner of the checking account’s name, last four digits of their Social Security Number, and the checking account number to register for online access. You will also be required to give and confirm a valid email address where the notification will be sent, and to establish a username and password for future Rewards account access. You will be asked to give your mother’s maiden name to be used as a security question if you forget your password in the future. If you have any issues registering online you can call 1.877.OUR.RWDS (1.877.687.7937) for 24/7 assistance.

Your Rewards account is updated at the beginning of each month with the new DeanPoints you’ve earned and redeemed in the previous month. If you have not registered online, you will only get a quarterly paper statement showing your Rewards account activity over the prior three months. If you have registered online, you have the ability to view your Rewards account online at any time. However, unless you have selected the option to receive eStatement notification, you will not be reminded when your Rewards account is updated and you will continue to receive a quarterly paper statement in the mail. Opting to receive email notification each month will not only keep you most up-to-date on your Rewards account status, but it will also reduce the amount of paper waste created by sending you a paper statement. In addition, Dean Bank will automatically award you with 500 Bonus Points just for choosing this option.

Your Rewards account balance is updated on a monthly basis during the first week of the month. All of the previous months’ points earned and redeemed are updated at this time. To receive eStatement notification each month when your Rewards account has been updated, see the question above.

Because a PIN is needed to initiate "cash back", no part of that transaction would be eligible for DeanPoints. If you want to get cash back and earn DeanPoints on your purchase, here is an option. Make your purchase without cash back as a non-PIN transaction by signing for the purchase. Then, purchase something else, such as a package of gum, using your PIN and ask for cash back on this second transaction.

To earn DeanPoints when shopping with your Dean Bank debit card, you MUST choose "Credit" at the register. When you choose "Debit," you are required to enter your PIN and the transaction is processed through the same networks as ATM transactions. When you choose "Credit," you are usually required to sign your name and the transaction is processed through the credit card networks such as MasterCard, VISA or DiscoverCard. In both instances, the funds are debited from your checking account, but you only earn DeanPoints on non-PIN (Credit) transactions. Some merchants automatically default to a debit transaction and request a PIN immediately when the card is swiped. Remember, if a merchant is requesting your PIN, don’t enter it and ask the cashier to process the card as a "Credit" instead.

Debit MasterCard customers default to a $1,500.00 daily limit for purchases and Debit BusinessCard customers default to at $2,000.00 daily limit for purchases. You may request a temporary increase to your limit so you can go shopping to purchase a larger, high-ticket item, go on vacation or for other reasons. You may also request a permanent increase to your limit if you regularly use your Debit MasterCard or Debit BusinessCard for larger purchase. The maximum temporary and permanent daily limit is $10,000.00. To request a purchase limit increase, please call the bank at 508.528.0088.

A Dean Bank Rewards account is automatically established for every checking account that has a debit card – including individuals and businesses. So if you have a Dean Bank Debit MasterCard^® and/or Debit BusinessCard^®, a Dean Bank Rewards account exists for each checking account associated with a debit card. Each Dean Bank Rewards account is established in the name of the primary owner on the checking account.

Bonus Points are additional promotional points that the Bank may offer from time to time as a reward for doing something specific. For example, Dean Bank offers 500 Bonus Points for signing up to receive an eStatement notification of your monthly Rewards account activity. Another example could include awarding 2,500 Bonus Points for our Refer-A-Friend program.

During bank hours, you may contact your local branch or our Main Office at 508.528.0088. When the bank is closed, you may call the Dean Bank Rewards toll free number 1.877.OUR.RWDS (1.877.687.7937). This toll free number will be answered 24 hours a day, 7 days a week, 365 days a year!

Bonus points earned through the ShoppingFling Program will be credited to your rewards program account anywhere from 45 to 90 days after your purchase.

Yes, order information you receive from a retailer is reported back to the ShoppingFling Program in order to award bonus points. If you have questions regarding bonus points earned with ShoppingFling, please use our automated customer service tool located in the Contact Us section of the website. If you have a question about your order, please contact the retailer directly.

The confirmation email is a record of any purchases you have made through the ShoppingFling Program. Bonus points earned through ShoppingFling purchases are typically posted to your rewards account within 45 to 90 days from purchase date. Due to the timing of the processing of your regular rewards points and when your rewards program receives the bonus points from the ShoppingFling Program, you will typically not see bonus points earned posted to your rewards account anywhere from 45 to 90 days.

If any part of a qualifying order is returned to the retailer or is not completed, your bonus points for that transaction may be reduced or removed from your rewards program account. Please check each retailer's policy for returns.

No. The more you shop - the more you can earn! As a reminder, you cannot earn bonus points for taxes, special handling charges, freight or shipping costs, and any unshipped or returned products. In addition, please refer to the retailer offer page for complete information regarding eligible purchases for each retailer.

Simply log in to your rewards account and click on the Shopping page to access the ShoppingFling Program website and shop with participating retailers through the ShoppingFling Program website to earn bonus points for online purchases. You must be logged in to your rewards account to access ShoppingFling. If you have not registered for online access to your rewards account, simply go to your institution's rewards website and click on "Register Here" to set up your user name and password.

No, you must click through a valid link from the ShoppingFling Program website in order to earn bonus points for the purchases you make. In order to earn bonus points, you must click and shop through participating retailers' links located on the ShoppingFling Program website. If you shop directly through a retailer's website, you will not be awarded bonus points.

No, you must come back to the ShoppingFling Program website and click through the links for that specific retailer in order to earn bonus points.

No, you must click through the ShoppingFling Program website retailer links to earn bonus points credit. This is how we are able to confirm your purchase.

The ShoppingF<span class="caps">ling</span> Program is continually trying to find the best retailer for ShoppingF<span class="caps">ling</span> members to shop with. From time to time the available retailers may change. If there is a particular retailer that you would like to shop with, please Contact Us with your comments.

Bonus points earned are calculated on the net amount of eligible purchases. Taxes, special handling charges, returns, freight or shipping costs and any unshipped products are not included in the mileage calculation. Individual retailers determine eligible purchases; please reference the retailer detail page for complete information.

Bonus points earned through ShoppingFling will be posted to your rewards account anywhere from 45 to 90 days after your purchase. Visit your rewards program website, log in to your rewards account and click on the My Account page. Click on the eStatement link to view your bonus points.

Please use the Contact Us on the website.

The ShoppingFling Program website uses encryption to protect the privacy and security of your rewards account information. No personal information is stored in the ShoppingFling Program website, so your account information will remain private. The account information that is displayed there is stored within the ShoppingFling Program systems and cannot be accessed by other sources.

Yes, more than one rewards account member can use ShoppingFling. If you have separate rewards accounts, you each must log in to your rewards account in order to access the ShoppingFling Program website. If you have a joint rewards account, simply use the one log in that you typically use to access your rewards account. This will allow either user to access the ShoppingFling Program website.

Windows: Recommended browsers include Internet Explorer 6.0, 7.0 and 8.0 and Firefox 3.5. Other compatible browsers that support frames, JavaScript, cookies and Secure Socket Layer protocol (SSL) may work with reduced site functionality. Macintosh: Recommended browser is Safari 4. Other compatible browsers that support frames, JavaScript, cookies and Secure Socket Layer protocol (SSL) may work with reduced site functionality.

Windows: From your browser, go the Help menu and choose "About". A screen will appear showing which browser and version you are using. Macintosh: From your browser, go the Apple menu. Choose either "About Netscape" or "About Internet Explorer". A screen will appear showing which version you are using.

No, as long as you are logged in to your existing rewards account and are shopping from the ShoppingFling website.

Cookies must be enabled in your web browser to receive bonus points while shopping at many of our online retailers. Please check your browser "Help" section for more information on how to enable cookies.

It is necessary for us to be able to track purchases in order to successfully award bonus points in the ShoppingFling Program. This tracking function is performed using cookies both from your institution's rewards website and from many of the retailers in the ShoppingFling Program. Though the ShoppingFling Program does not require a cookie to access the website, retailer cookies are required in order to successfully shop and earn bonus points.

In Internet Explorer 6 or 7: Click the Tools menu, Select Internet Options, Click the Privacy tab, Click the Default button (or manually slide the bar down to 'Medium') and Click OK. In Firefox 2 or 3: Click the Tools menu, (On a Mac, click the Firefox menu.) Select Options, (On a Mac, select Preferences.), Click the Privacy tab, Select the 'Accept cookies from sites' checkbox, Click the OK button. In Safari 4: Click the Safari menu, Select Preferences, Click Security, In the 'Accept Cookies' section, select Always.

Yes, you must use your rewards program card in order to earn bonus points.

ShoppingFling is an added benefit of Dean Bank's debit card rewards program that provides you the opportunity to earn bonus points on your Dean Bank debit card when you shop at participating online retailers through the ShoppingFling website.

No, after the purchase is made the online retailer will report back to the ShoppingFling Program the information required to post the bonus points. The ShoppingFling Program will use this information to credit your rewards account.

Each participating online retailer decides on their bonus point offer(s). To determine which purchases qualify and the specific bonus points awarded, please review the offer details for each participating online retailer listed on the ShoppingFling Program website.

Now you can earn bonus points for shopping online. Simply log into your rewards account and click on the ValueCenter drop down menu. In order to access the ShoppingFling Program website, you must be logged in to your rewards account. If you have not registered for online access to your rewards account, click on "Register Here" to set up your user name and password.

Because the ShoppingFling Program is reserved only for Dean Bank's rewards program customers, these links are provided for you. Using that link is the only way to tell the online retailer that you are participating in the ShoppingFling Program and will ensure you earn bonus points on your purchase. In order to earn bonus points, you must click and shop through the online retailers link located on the ShoppingFling Program website. If you shop directly through the retailer's website, you will not be awarded bonus points.