I've been asked to find out what other banks are doing regarding these policies. Do they stand separately, or are they combined? TIA for any and all responses.

Either way works. If you have a statement signed acknowledging review, if everyone on a PC has the Net, combined is best. If not, separate may be easier to handle.

We have a lot of PC and security incorporated into our Net policy.

Thanks, AZ! Hey, with initials like that, no wonder you're a compliance guru. Poor guy, it's like you never even had a chance to be anything else. But why would you want to be? All this fun, and you get paid for it, too!