Online Security



Only you can keep your computer safe. We recommend you use up-to-date anti-virus and anti-spyware software on your computer. Please be cautious. Don’t fall for email scams and phishing attempts. Welch State Bank, IRS, FDIC, or any legitimate business will never request you provide confidential information via unsecured email.

Creating A Secure Passcode

When creating an Online Banking passcode, make sure that it has the minimum number of characters and the appropriate character types. This may be challenging at the time – but the stronger the passcode, the better your protection against others trying to cause you financial harm. Your Online Banking passcode:

  • Must be at least 7 characters long.
  • Must contain at least 1 numeric and 1 alpha character.
  • Must not be based on your personal information such as tax identification number, address or telephone number.
  • Is case sensitive.
  • Cannot be the same as your Access ID.

Secure Your Passcode

Just like the key to your home, passcodes help protect your “online home.”  You should do everything you can to prevent others from guessing or gaining access to your passcode. You should always remember:

  • NEVER share your Online Banking passcode with others.
  • Make your Online Banking passcode unique to your life and not something that is easily guessed or known to others.
  • Have a different passcode for each online account.
  • Change your passcode several times a year. While Welch State Bank does NOT force passcode changes, we do recommend it as a measure to take for added online security.

Keep your Online Banking “home” safe – don’t give the key to just anyone.

If you have any questions, please call our Online Banking Support Department at 918-788-3373 or email us at


We know that security is a high priority when it comes to your money and personal information. Welch State Bank utilizes state-of-the-art security for both online banking and our internal information systems. Strong firewall defenses with both intrusion prevention and intrusion detection services that are monitored 7 days a week, 24 hours per day. Our online banking system learns your habits. If you log in from your normal location, you just need your user ID and passcode. But if you log in from an unusual location or different time of day, it will require you to answer security challenge questions. Online banking requires you to use a browser with 128-bit encryption. Your AccessID, Passcode, and all account information are encrypted in transmission.