Security in Uncertain Times

At times of uncertainty, one thing you can always count on is the safety of your money at a bank.

  • When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured. Deposits held at WCB are insured in full with the combined coverage of the FDIC and the Depositors Insurance Fund (DIF).

  • You don’t have the same level of protection when your money is outside the banking system.

  • Uncertain times are exactly when you want the certainty and dependability of a bank.


Winchester Co-operative Bank (WCB) has plans in place to handle a range of emergencies so our customers’ funds remain protected and accessible.

  • Your bank is required by law to have disaster recovery and business continuity plans in place with multiple backup systems.

  • WCB’s federal regulator, the FDIC, regularly examines the bank to make sure we have detailed, tested disaster recovery procedures and business resumption plans.

  • The safest place for your money is in the bank. It’s FDIC-insured and accessible, thanks to bank technology that allows you to pay bills, make deposits and send payments from anywhere, anytime.


Banks have a proven record of effective emergency preparedness and disaster recovery.

  • Throughout history, U.S. banks have been prepared for and responded to recessions, natural disasters and other business disruptions.

  • When faced with unexpected events, banks have a proven record of operating smoothly, protecting consumers’ deposits and providing continued access to their funds.

  • Lessons learned from previous threats and cyber exercises have strengthened the banking industry’s ability to prepare for and minimize disruption due to a cyber-attack.


The financial services industry is the gold standard of cybersecurity.

  • Banks and other financial services companies have made cybersecurity a top priority.

  • Banks have the highest level of security among critical U.S. industries—including energy and telecommunications—and the most stringent regulatory requirements.

  • The banking industry works hand-in-hand with the Department of Homeland Security, the Treasury Department and the Financial Services Information Sharing and Analysis Center to ensure the security and resiliency of the banking system.


Our customers’ trust is WCB’s most valuable asset.

  • When a customer is the victim of an unauthorized transaction or their account is hacked, the bank will take measures to protect the account.

  • The banking industry is committed to continuing its tradition of safeguarding confidential financial information.


There are ways customers can assist to greatly improve their security.

  • Review your account often for suspicious activity—either through on-line banking, the mobile app, or a phone call— it’s the best way to protect yourself.

  • Sign up for text or email alerts offered by WCB to notify of activity on your accounts.

  • It’s important for customers to contact the bank immediately if you have reason to suspect fraud. You can do so by phone (with the numbers on your statement or debit card), through online banking or come into a branch.


Misinformation/Disinformation Campaigns

Please beware of potential misinformation and disinformation campaigns. To help counter these malicious efforts, consider following these tips:

  • Rely on trusted sources. For updates, rely on information provided by reputable sources from official announcements or websites such as the White House, the Department of Treasury and the Department of Homeland Security.

  • Think before you link. Slow down. Don’t immediately click to share posts, memes, videos, or other content you see online. Some of the most damaging disinformation spreads rapidly via shared posts. Check your sources before sharing.

  • Be careful what you post. The information you share online can be misunderstood or repurposed via manipulation. Do a privacy check on your social media accounts and make sure you are not sharing content broadly that you mean only for close family and friends. Be aware that agents of disinformation often steal identities of real people, profile photos, and other information.

  • Be wary of manipulative content. Agents of disinformation are known to create or repurpose emotional videos and photos, and to use sensational terms to divide us. Be especially careful of content that attempts to make people angry or sad or create division.