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Customer Awareness

Sevier County Bank is committed to protecting your financial information.

Please review the following information regarding your rights and account security.
Federal Regulation E establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer (EFT) services and of financial institutions that offer these services. Consumer transactions which are initiated electronically are covered by these rules.
To protect your account, we encourage you to regularly review your statements and account activity. If you believe an unauthorized EFT or error has been made on your account, contact us immediately.
SCB will never contact a customer asking for their banking credentials by telephone or email. Any attempt at this should be immediately declined, and information about the attempt passed on to SCB (see contact info below).

Scenarios where SCB may contact you:
  1. If there is suspicious activity detected on your debit card, we will call to verify transactions or alert you of any compromise.
  2. We may call to see if you would be interested in working with an employee if you have an account that might benefit from other services.
  3. We may call to verify your email address and other basic information. No account information should be requested, including but not limited to account numbers, PINs, passwords, or login information.
Other ways we may communicate would include a flyer in your statement mailing, a pop-up message in online banking, or an email providing some information.
If, at any time, you notice suspicious account activity or have other concerns about your account security please contact our Deposit Operations Department at 1-865-453-6101. You can also send a secure email while logged into online banking by selecting the Contact button in the upper right hand corner, then once inside the Message Center, select Send a New message. The message is sent securely, so account information can be used if desired.
If you have a commercial or business account, we encourage you to perform a periodic assessment to evaluate the security and risk controls you have in place. The risk assessment should be used to determine the level of risk associated with any internet activities performed and any controls in place to mitigate these risks. Additional security recommendations include:
  • Limiting employee access
  • Restricting administrative rights
  • Establishing separate passwords
Recently there have been a number of reports in the news of distributed denial of service (DDoS) attacks against a number of large financial institutions. While the attacks have been aimed primarily at large financial institutions, we still take the threat seriously.

DDoS attacks are service interruption attacks. Somewhat like a busy city street during rush hour, a DDoS attack bombards a website with traffic slowing everything to a crawl or even stopping regular operation. During such an attack, no account information is at risk. The goal isn’t to steal information, but to disrupt service.

If we ever experience a DDoS attack, access to online banking may be disrupted. We would ask for your patience as steps are taken to restore service. You can be assured your account information is secure. And you are always welcome to call or stop in to one of our branches, or use SCB's automated 24-Hour Telephone Banking, 1-865-429-4636 (INFO), to conduct your financial business.

What can SCB do for you?

SCB offers many community services and would enjoy meeting with your business, school or community group to discuss financial planning, education and literacy, identity theft or elder abuse.