What other security features will I have to help further protect my account information online?
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.
How do I set up the security enhancements?
Once you are logged in to Online or Mobile Banking, click on the Settings & Alerts tab, then click Security Preferences.
- Click the “Change Password” button.
- Enter your old password.
- Create a new password.
- Re-enter your new password
- Click the “Change Password” button when you are finished making changes.
You can also change your User ID at any time. To ensure that you create an effective User ID, create an ID that you will remember that follows our required guidelines.
Can I reset my password if I forget it?
Forgot your password? Not a problem. Click “Forgot Password” in the log in box, and it will instruct you to enter in your User ID.
I already have anti-virus software and a personal firewall. Why do I need this?
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.
How are you able to detect unusual or uncharacteristic behavior?
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 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.
Will I be asked for more information all the time?
No, you will only be asked for more information when unusual or uncharacteristic behavior is detected or during a periodic security update for your account. Approximately every 6 months, we will ask you to select new authentication questions as added security for your account.
How do I know it’s working?
After you complete the set-up process, the security system will work automatically. This means you are being protected every moment — when you are online and, more importantly, when you are not. Again, please note that for your protection, we will periodically ask you to update your questions and answers as well.
Is my personal information safe?
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.
How will this help prevent online fraud?
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.
I check my account often. Wouldn’t I know if something unusual showed up on my account?
Perhaps, but it is always a wise 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 as it should be.
Can two people log in to online banking from the same computer?
Yes, you can both use the same computer to log into your individual accounts. There are no limits to the number of people that can log into various websites from the same computer.
My spouse and I have a joint account. Will we both be able to log in to the account?
Yes, you can both log into the account as usual.