Personal Online Banking

A free, convenient and secure service. Bank when and where you want. Do all your banking 24 hours a day 7 days a week, anywhere in the world. Internet banking is simple, secure, and free.

Use Internet Banking to transfer funds between accounts, view online statements, & place stop payments. Because security is your top priority, we have multiple levels of security for Internet and Bill Pay.

Works through your Regal Financial Bank On-Line Banking account. Pay all of your bills, simply and securely for FREE. No more buying and licking stamps. Categorize all your bills, set up recurring payments and our Bill Pay is compatible with Quicken and Microsoft Money. Click here to see how bill payment can work for you.

Bank Security Statement
At Regal Financial Bank we take security very seriously. We have taken every precaution necessary to be sure your information is transmitted safely and securely. The latest methods in Internet system security are used to increase and monitor the integrity and security of our system.

To develop a sound architecture, Regal Financial Bank has incorporated the capabilities of firewalls, control capabilities of routers, operating system level controls, application level controls, report consolidation methods, and security monitoring devices such as Intrusion detection systems and scanners. In this architecture, every piece is layering on the capabilities of the other to create overlapping controls and fail-over. What this means to you is that if a single layer of security is broken, other layers of security are there. This is referred to as "security in-depth".

Data security between the customer browser and our Web server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. In addition, SSL provides a security "handshake" that is used to initiate the connection. This handshake results in the client and server agreeing on the level of security they will use and fulfills any authentication requirements for the connection. Currently Regal Financial Bank's online banking application supports data encryption at the highest level (128 bit).

When accessing our Internet Banking site, you will be forwarded to a Web page with a URL address that starts with https://. This will cause your browser's HTTPS layer to start an encrypted session using SSL. You will then receive a login screen. Since the encrypted session has already been started, your user name and password are safe and secure. The data traveling between the user and the server is encrypted and can only be decrypted with the public and private key pair. These two keys are the only combination possible for that session. When the session is complete, the encryption keys expire and the whole process starts over when a new session is started.

Our network intrusion detection system is running 24 hours a day, 7 days a week. The network intrusion detection engine sits on the same network as the Internet Banking site and monitors all traffic on that segment. The engine is looking for attack signatures - watching for evidence that an attempted intrusion is taking place. When the engine detects unauthorized activity, it responds immediately by terminating the connection, sending an alert to specially trained staff and recording the session. This allows security architecture to automatically monitor network traffic, detect and respond to suspicious activity, and intercept and respond to network abuse before systems are compromised.

Internet security does not rely on technology alone. Without everyone's participation, all the security systems and technology in the world are worthless. You must treat your User ID and password with the same care as an ATM or credit card and PIN. In addition, you must make sure that no one is physically watching when you enter your password. If you are logged in to the service, be sure to log off of the service and exist the browser when you leave the computer unattended. You should also take standard precautions to keep you system clean and free from viruses that could be used to capture password keystrokes and financial information.

If you should have additional questions regarding the security of our Internet site, please contact us at 800 888 1955 or via email at info@regalfinancialbank.com.

Protect Your Account and Identity
Be aware that as a Debit cardholder you may be a target in receiving legitimate-appearing emails stating that there are some problems with your account and requesting that you provide card numbers and other information in order to straighten the problems out. If you should receive such email or phone call, please do not release any card numbers or other confidential information. Regal Financial Bank will not request your personal information (account number, Social Security number, password, or mother's maiden name) through email. For more information in protecting your information please log onto http://www.consumer.gov/idtheft or call 800-888-1955 to speak to a Regal Financial Bank Representative.

Password and Access ID Protection
For your protection, we recommend that you frequently change your personal password used to access Online Banking. (You can change your password under the Change Password button.) You agree to hold your password and access ID in strict confidence and you will notify us immediately if your password and/or access ID is lost or stolen. As a precaution, it is recommended that you memorize your password and access ID and do not write either down. Passwords should not be easy to guess; for example, your children's or pet's names, birth dates, addresses or other easily recognized identifications related to you. We also recommend you do not have your browser remember your password.

You further agree not to allow anyone to gain access to Online Banking or to let anyone know your Password used with the service. You agree to assume responsibility for all transactions up to the limits allowed by applicable law. Regal Financial Bank will not be responsible for any loss due to breach in the above security procedures.

Three Fail Attempts to Logon will Disable your Account
To guard against unauthorized use of your Access ID and Password, Online Banking disables the Password indefinitely on the third attempt until you call the Bank and request your Password to be reset.

This will also occur if you accidentally activate this security feature by unintentionally mis-keying a Password three (3) times. You will need to call the Bank to reestablish the password for your account(s). You can reach us by calling 
800 888 1955.

Lost or Stolen Password or Access ID
Contact Regal Financial Bank AT ONCE if you believe your Password, Access ID, ATM/POS Card, VISA Check Card, or Personal Identification Number (PIN) has been lost or stolen or you have identified any unauthorized Electronic Funds Transactions (EFT) on your current statement viewed on-line or your monthly printed statement. Phoning us immediately at 800 888 1955 is the best way of minimizing your potential losses, or you may write us at: Regal Financial Bank, PO BOX 21485, Seattle, WA 98111 to report the problem.

Personal Information Protection
In addition to protecting your Password, Access ID, and account information, you should also protect your personal identification information, such as your Driver's license, Social Security Number, etc. This information, alone or together with information on your account, may allow unauthorized access to your account. It is your responsibility to protect your personal information with the same level of care that you protect your account information.

Examine Your Statement
You must promptly review your statement upon receipt. See In Case of Errors or Questions About Your Electronic Transfers for further information.