Virtual Branch Online Security Is A Priority

Protecting your account information is a priority. Your Security Code is stored in an encrypted database that even we can’t decode. Additional Enhanced Authentication protects your online data and helps guard against phishing scams and identity theft. It recognizes your computer and your usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before it will allow the user access to your PAM Online Banking account.

The system also displays a secret image and phrase combination that you choose. Your image and phrase are displayed each time you logon to verify you are the person accessing your online banking or bill payment account. If you do not see your image and phrase when you try to login, never enter your Security Code. Additional Garden State security measures include:

  • Secure Sockets Layer (SSL) protocol to ensure that your connection and any information transmitted is protected.
  • 128-bit encryption to make your information unreadable as it passes over the Internet.
  • Automatic time out that occurs if you are inactive in the secure area of our site for more than 10 minutes.

Protect Your Personal Information

  • Keep your Security Code confidential. Do not carry it in your wallet.
  • Be sure others are not watching you enter your password information on a public computer or at an ATM.
  • Never leave your computer unattended while logged on to the Virtual PAM Online Banking system. Others could approach your computer and gain access to your account information.
  • Always exit the system when you are finished to end your session. Do not simply close your browser. Once you exit the system and the session has ended, no further transactions can be processed until you log on to the system again.
  • Close your browser when finished, so that others cannot view any screens that might include your account information.
  • Keep your computer free of viruses. Use virus protection software to routinely check your computer(s). Never allow a virus to remain on your computer when you access the PAM Online Banking system.

While we continue to evaluate and implement the latest improvements in Internet security technology, system users also have the responsibility to protect their personal and account information.