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Online Security Tips

General Security Information


By following our tips, online banking with Cowboy Bank can be a safe and efficient method for handling your banking needs.


User Identification and Password


Security starts at your computer. To make your passwords hard to guess, avoid using your family names, hometown or other personally identifiable choices, and include random numbers instead of using a personal number such as a birth date.


Secure Sockets Layer Encryption


We use Secure Sockets Layer (SSL) encryption, a trusted method for securing internet transactions. This technology scrambles data as it travels between your computer and Cowboy Bank, making it difficult for anyone to access your account information.


Secure Access Code


You need a Secure Access Code to access your accounts when you log in to online banking with Cowboy Bank for the first time or for the first time from any new device. This code is delivered to you via email, or text message. You can opt to register your device so that you do not have to complete the Secure Access Code process the next time you access Cowboy Bank’s online banking system from that same device. If you delete the security certificate or "cookie" that recognizes your device as previously registered, you will need to request another Secure Access Code.


Online Banking Safety Tips


  • Ensure your web browser, operating system, anti-virus software and other applications are current and support 256-bit encryption.

  • Memorize your passwords and change them regularly.

  • Exit your online banking session when finished.

  • Do not leave your computer unattended when logged in to online banking.

  • Do not access online banking on public computers or unsecured wireless networks.

  • If you receive an error when logged in to your account, report the error to a customer service representative at (580) 234-7889.

  • Cowboy Bank will never send unsolicited emails asking you to provide, update or verify personal or confidential information via return email. If you receive an alleged email inquiry from us, please report the incident to a customer service representative as quickly as possible. To reduce the risk of online fraud and identity theft, your first and best protection is awareness.




Phishing is an online scam tactic that lures users into unknowingly providing personal data, such as credit card information or login IDs and passwords. By using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets to convince them that vital information is being requested by a vendor that they may already have a relationship with, such as their financial institution.

Caller ID Spoofing


Caller ID can be manipulated by scammers to display false information, making it appear as if the call is coming from a trusted source. Always exercise caution when receiving unexpected calls, even if the caller ID appears legitimate.

Email Spoofing

Scammers can easily forge email addresses to make them appear genuine. Even if an email seems official or is from a known contact, be wary of clicking on links or providing personal information without verifying the sender's identity.

Trust Building Tactics

Scammers may use tactics to build trust, such as starting with harmless requests before escalating to more invasive demands. Remain skeptical of any unsolicited communication, especially if it involves requests for sensitive information or unusual actions.

Identity Theft


Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise and commit other crimes using your identity. It is important to be aware of the dangers of identity theft so you can take steps to avoid becoming a victim.


Logging Off


As a secure practice, you should log off of your online banking session before you close the browser window or anytime you walk away from your computer. Additionally, Cowboy Bank will log you off automatically due to inactivity or when your session reaches the maximum time limit.


Fraud Prevention Tips


  • Do not open email attachments or click on links from unsolicited sources.

  • Avoid completing email forms or responding to messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or account details.

  • Monitor your account transactions for unauthorized use.

  • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them.

  • Contact the sender by phone if you are suspicious of an email attachment.

  • See more information about protecting your personal and business identity online in our frequently asked questions.

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