A.Our enhanced security features add a layer of protection to your online account by letting you know it’s really us, and letting us know it’s really you.

Letting you know it’s really us

• You pick one of thousands of images and provide us brief text to help identify the image to you.
• When you attempt to log in to eBranch, your personal image and text will appear before you enter your password.
• Seeing your personal image and text will let you know that you have reached eBranch, our official online banking site. This means it is safe to enter your password.
• If the correct personal image and text do not appear, do not enter your password. Remember: Once you have signed up, you should not enter sensitive information such as your password without first seeing your personal security image and text.

Letting us know it’s really you

• Identity thieves can’t know every detail of your personal life, so we’ve designed a series of security questions to provide a safeguard against impersonators.
• To get started, you’ll choose three simple questions; the questions are easy to answer and may ask you about small personal details, such as “What was the name of your first pet?” or “What high school did you attend?”
• By providing the answers to these questions, you’ll give us information that will help verify your identity.
• Your answers will be used, along with select account information, as added protection when you log in from a computer that our system does not recognize.

A.You will be prompted to select your personal image and text and security questions. You do not need to do anything to initiate this process. When you are prompted, please take a moment to set up your image, text and questions in order to add an additional layer of protection to your account.

A.You will only be prompted to answer some of your security questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior. Try to avoid using answers that will change over time. If you share account access with anyone else, you may want to establish your security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in. Enter your answers carefully as you will need to supply the same answer if you are ever prompted with one of your security questions.

A.You will be prompted to answer a few security questions that only you know when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior. Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how and where you would normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.

A.We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, trojans and hackers. Our security enhancements protect against other kinds of threats such as a stolen account number and password.

A.

You will only enter in your account number in the eBranch Login box on the left side of our website, www.CommunityFirstFL.org

After you verify that the image and text shown are what you previously selected, you will enter your password and click on “Sign in”. Generally, you will be taken directly into eBranch, our online banking system.

If our systems detect any uncharacteristic or unusual behavior, we will ask you to verify your identity by answering some of your security questions. After you have correctly answered your security questions you will be taken directly to eBranch, our online banking system.

A.Once you have set up the additional security features, you should not enter your password until you see your personal security image and text. To begin logging in, simply enter your account number and click on Log In. You should then see your personal image and text on the next screen. If you do, you can safely enter your password to gain access to your account.

A.The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, and the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to really be you.

A.No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.

A.After you complete the set-up process, the security system will work automatically. That means you are being protected every moment — when you are online and more importantly when you are not. Please note that for your protection, we will periodically ask you to update your questions and answers as well.

A.Yes. In fact, your personal information is safer than ever before because these security enhancements help us make sure it is really you and not an unauthorized user trying to access your information.

A.

If your account number and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction.

If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your online account at all times. The personal image and text also help you ensure that you are always logging in to our legitimate online banking site, not a fraudulent one.

A.It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). These security enhancements help prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

A.Yes, you can both use the same computer to log in to your individual accounts. There is no limit to the number of people that can log in to various websites from the same computer. However, you should consider choosing security questions that only you will know the answer to.

A.Yes, you can both log in to the account as usual. However, you may want to establish your security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in.

A.Yes, you can change your personal security image and text or security questions at any time. To make the change, go to the Options tab after you log in to your account. We will periodically request that you update your selections.