Online Security FAQs

What is a fraudulent email?

How can I be sure I'm interacting with Bellco and not an imposter?

What can I do to protect my accounts and personal information while I'm banking online?

Submitting forms online

Using Ask Bellco to Securely Ask Questions Online

Learn About Using Bellco Secure Email

How can I be sure I'm interacting with Bellco and not an imposter?

You can tell that you're dealing with Bellco because:

  • Bellco will never send you an email asking for your passwords, credit card numbers, or other sensitive information.
  • If we request information from you, we'll always direct you back to a Bellco site using links.
  • If you use a link in an email you receive from Bellco, you can make sure that you are on a Bellco page by comparing the address of the site in the Address/Location area of your web browser.

How do I know if the email is from Bellco?

To tell if an email is really from Bellco, you need to view the site that the URL is taking you to.

Here's how to do so with HTML and text-based emails:

  • HTML-based email. In HTML emails (with graphics), to view the destination URL, position your cursor over the link or button; the URL should appear in your email program's status bar at the bottom of the window. However, spoof URLs are intentionally long, so only the first part is usually visible in the status bar. It might look genuine, but it's not a guarantee of where you'll end up. Therefore, you need to view the entire URL and go there to make sure it's really a Bellco site.
  • Text-based emails. Text-based emails also tend to contain very long URLs that you click on to get to a site. However, the URL may not represent the true destination.

How do I recognize a fraud email

It's often hard to detect a fraudulent email. That's because the email address of the sender often seems genuine (such as, as do the design and graphics. But there are signs to be aware of.

For example, fraudulent emails often try to extract personal information from you in one of two ways:

  • By luring you into providing personal information on the spot (e.g., by replying to the email).
  • By including links to a site that tries to get you to disclose personal data.

How do I view an entire URL to make sure it is a legitimate site from a HTML email?

  • Position your mouse over the link and right click.
  • Select Copy.
  • Paste the URL into Notepad (or any text editor).
  • When you arrive at the site, doubleclick on the padlock icon and make sure that it's "Issued to" a URL that ends in

How do I view an entire URL to make sure it is a legitimate site from a text-based email?

  • Paste the URL into your browser.
  • When you arrive at the site, double click on the padlock icon and make sure that it's "Issued to" a URL that ends in

Report a Fraudulent Email.

What can I do to protect my accounts and personal information while I'm banking online?

Bellco takes numerous steps to keep your accounts and personal information secure, but you also play a role in maintaining the security of your banking information. Here's what you can do:

  • Change your password regularly- It's important to change your password regularly, which you can easily do by clicking on "Preferences" and then "Change Username/Password" after logging into Online Banking.
  • Memorize your password- Your online password authenticates you when you begin an Online Banking session. You should memorize this password and never write it down anywhere or reveal it to anyone.
  • Remember to log off- You may not always be at your own computer when you bank online. Therefore, it's important to log off when you're finished banking. If you forget to do so, Bellco automatically logs you off after 10 minutes of inactivity (unless you have increased your timeout session.
  • Use your browser's built-in security features- We recommend that you use the built-in security features that browsers provide. Choosing certain security settings and options will help protect the privacy of your accounts and personal information.

Submitting Forms Online

Information you provide via electronic forms on Bellco's website is secure and encrypted. In other words, it is scrambled en route and decoded once it reaches Bellco. You may check that your web session is secure by looking for the green bar in your browser. Current versions of leading web browsers indicate when a web page is encrypted for transmission through this symbol. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The "s" means that the web connection is secure.

Use the Ask Bellco feature to Securely Ask Questions Online

In order to effectively communicate in today’s world, interacting online is a must. However, traditional email may not always be the safest way to send or receive sensitive information.

Bellco has implemented a more secure way for you to communicate with us online. You can submit your routine account questions to the secure Bellco Answer Center. Your questions and our answers are safe behind the firewall of Bellco Online Banking in the Answer Center keeping your sensitive information protected.

Using the Answer Center is simple. If you’re a current Online Banking user, you’re already set up to use this feature. Just login to Online Banking and click the "Answer Center" link to submit a question or to see how many messages you have waiting. If you don’t use Online Banking, you can still use the Answer Center by simply entering your email address and setting up a password.

Bellco Secure Email

At times, you may be working with a specific Bellco representative on a loan or an issue that requires us to send you information or documentation via Bellco Secure Email. You will be notified ahead of time by the Bellco representative to expect a secure email from Bellco. This employee will confirm your email address and explain how to log-in and obtain your secure information. Access Bellco's Secure Email.

What is a fraudulent email?

A fraudulent (a.k.a. spoofing, imposter, or phishing) email is one that has been forged so it looks like a legitimate email from a particular organization. Its goal? Usually to trick you into providing sensitive personal information that can be used for identity theft.