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Online Banking Security

Terms of use

Damariscotta Bank & Trust Co. makes every effort to maintain the accuracy of information provided on this website. However, inaccurate or out-of-date information may appear from time-to-time. Therefore, the Bank does not warrant the accuracy of the information provided. By using this website, you assume the risk of any inaccurate information.


Not only is Internet Banking one of the most convenient ways to access your accounts, it’s also safe. In addition to requiring you to change your PIN, we adhere to stringent industry standards regarding online security and employ encrypted technology to keep your information secure. All sensitive information requires passwords that only you know.

To further enhance security, log-in sessions have a time-out limit. If you are logged in for 10 consecutive minutes without using Internet Banking, you will have to log in again to resume banking. Also, PIN guessing is deterred and reported.

Internet security is not a once and for all task. We are constantly developing and implementing security enhancements to ensure the integrity of our Internet Banking system.

Fraudulent schemes

E-mail and Internet-related fraudulent schemes, such as “phishing” (pronounced "fishing"), are being perpetrated with increasing frequency, creativity and intensity. Phishing involves the use of seemingly legitimate e-mail messages and Internet Web sites to deceive you into disclosing sensitive information, such as bank account information, Social Security numbers, credit card numbers, passwords, and personal identification numbers (PINs).

Perpetrators of fraudulent e-mail messages use various means to convince unsuspecting victims that the message is legitimate and from a trusted source with which the recipient has an established business relationship, such as a bank. Techniques such as a false “from” address or the use of seemingly legitimate bank logos, Web links and graphics may be used to mislead e-mail recipients.

Please follow these steps to avoid such fraudulent activity:


  • Our Web page should never be accessed from a link provided by a third party. It should only be accessed by typing the Web site name, or URL address, into the Web browser or by using a “book mark” that directs the Web browser to the financial institution’s Web site.
  • We will not send e-mail messages requesting confidential information, such as account numbers, passwords, or PINs. Please report any such requests to us. If you are interested in further information you can visit various websites including that of the Federal Trade Commission (FTC) at: