Business OOBA Disclosure

Business out of band authentication 

Some ACH and wire transactions will require Out of Band Authentication, also known as OOBA, by way of a One Time Secure Access Code (SAC) for the protection and security of your business. Computer hackers are constantly looking for ways to gain access to online banking accounts. Keystroke logging programs and phishing schemes are examples of ways that criminals use to gain access to your user name and password.

As a result, it is necessary to use two separate security systems working simultaneously to authenticate some transactions. While OOBA is an additional security measure, it is not a guarantee of fraud prevention.

Community West Bank takes every opportunity to educate its online customers about Internet Security and Fraud Prevention. 

The account transactions that will require OOBA for Community West Bank consists of Payments, Recipients, ACH Pass-Thru, Domestic and International Wire Transfers, and Tax Payments. When OOBA is required for your transaction, the use of a Secure Access Code (SAC) will be required to approve and complete the transaction. You will receive the SAC by selecting either a text, an email, or a voice call.