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WHAT IS SECURE SIGN ON?
Secure Sign On is a service to help protect you from
fraudulent online activity. It provides you with visual cues
when you sign on so you know that you are on our website and
it safe to enter information. Secure Sign On also helps us
ensure that only authorized individuals can access financial
information online.
HOW DO I SETUP SECURE SIGN ON?
By completing three easy steps. First, select a picture and
enter a phrase you want to use as confirmation that you are
on our website. Then, set up confirmation questions that
help us ensure that only authorized individuals are
accessing your account information. Last, decide whether to
register this personal computer as an authorized location
from which to access your account information.
WHAT HAPPENS IF I CANCEL SECURE SIGN ON DURING SETUP?
The information you enter in the setup process is not saved
until you complete the final confirmation step and click
“Submit.” If you exit the process before this final step,
you will lose the information you have set up and will need
to start the process again
DO
I HAVE TO CHANGE ANY INTERNET BROWSER SETTINGS FOR SECURE
SIGN ON TO WORK
To register this computer as an authorized location for
accessing your account information, your Internet Browser
must be set to accept permanent cookies. Most browsers
accept cookies as a default setting. If you haven’t
customized this setting, you’ll probably not need to make
any changes. If you do need to change the Internet cookie
setting to accept permanent cookies, follow the instructions
provided in the Internet browser’s help file to complete
this task. If you do not want to make this change, you will
be able to sign on using the confirmation questions for
validation.
WHY DOESN'T MY BROWSER'S AUTO COMPLETE FEATURE PRE-FILL MY
PASSWORD?
Once you set up Secure Sign On, your password will not
pre-fill. Secure Sign On uses a multi-page signon process
that does not allow your browser to anticipate your password
entry. While the Auto Complete feature may be helpful for
some things, it can also seriously compromise your security
and privacy. If a password is saved in the browser on a
public computer, that information is available to others for
use or theft.
HOW IS SECURE SIGN ON PICTURE AND PERSONAL PHRASE USED?
The picture and phrase are our way of telling you that you
are at our legitimate website. This protects you from a
fraudulent internet activity known as phishing. They are
always displayed when you sign on, forget your password, or
need to change a temporary or expired password. If you enter
your user ID and the next screen does not show your picture
and phrase, do not enter any personal information. Instead,
re-enter your user ID or contact us for assistance. If you
do not see your picture and personal phrase on these pages,
do not enter your personal information.
WHAT IS PHISHING?
Phishing is an Internet fraud technique that is used by
criminals to trick you into giving them personal
information. Phishing occurs when a criminal sends you an
e-mail message with a link to what may appear to be our
website – but it is actually a fake. On this fake website,
you will be asked to enter personal information, such as
your social security number, account number or credit card
number. Phishing is a fraudulent act aimed at stealing your
identity and private account information. Phishers set up a
phony website that looks like the site of a trusted company
to trick you into disclosing your user ID and password.
IS
MY PERSONAL PHRASE THE SAME AS MY PASSWORD?
No. Your personal phrase lets you know that you are at our
website and not an imposter site. It should not contain
personal information like your password because it is
displayed when you sign on, forget your password, or need to
change a temporary or expired password and may be seen by
people when you complete these tasks.
CAN OTHER PEOPLE SEE MY PICTURE AND PHRASE?
Yes. Your picture and personal phrase are always displayed
when you sign on, forget your password, or need to change a
temporary or expired password and may be seen by people when
you complete these tasks. Don’t worry if someone sees your
picture and phrase. It’s just our sign to you that you are
at our website.
CAN I CHANGE MY PICTURE AND PHRASE?
Yes.
To change your picture and personal phrase, you must go
through the Secure Sign On Setup process again and
re-establish your confirmation questions as well. If changes
are required, please call customer service.
HOW ARE THE SECURE SIGN ON CONFIRMATION QUESTIONS USED?
Confirmation questions are used as an additional form of
identification when you sign on from a computer that has not
been registered. They are also used to verify your identity
if you forget your password or need to change a temporary or
expired password. These extra security measures help us
insure that only authorized individuals access your
financial information.
CAN I CHANGE MY CONFIRMATION QUESTIONS?
Yes.
To change your confirmation questions, you must go through
the Secure Sign On Setup process again and re-establish your
picture and personal phrase as well. If changes are
required, please call customer service.
WHAT HAPPENS IF I FORGET THE ANSWER TO A CONFIRMATION
QUESTION?
Confirmation questions must be answered to access your
account information from an unregistered computer. Answers
are not case sensitive but the information and spelling must
match what was entered during setup. You will have several
opportunities to answer the questions correctly before
access to your account information is disabled. If you are
not able to access your account information, please contact
us for assistance.
WHAT HAPPENS WHEN I REGISTER A PERSONAL COMPUTER?
We store a permanent cookie on the computer that enables us
recognize it as an authorized location to access your
information online. The next time you sign on, we will
recognize the location and you will not be asked to answer
confirmation questions as part of the signon process.
WHAT IS A COOKIE?
A cookie is a small text file that a web server can store on
a user's computer. The cookie we store on your computer is
only used by us when you access your account information
online. It is not used to track your Internet activity and
cannot be used by others to access your information.
WHY WOULD I REGISTER A PERSONAL COMPUTER?
Registering your computer is another security measure to
protect your financial information. With your user ID and
password, this information helps us prevent unauthorized
access to your accounts. On a registered computer, you are
not asked to answer confirmation questions when you sign on
– making it faster to access your account information.
CAN I REGISTER THIS PERSONAL COMPUTER LATER?
Yes. Each time you sign on using an unregistered personal
computer, you will be given an opportunity to register
it.
WHY SHOULDN'T I REGISTER PUBLIC COMPUTERS?
We don't recommend registering public computers to access
your financial information online. Public computers can be
used by many individuals and aren’t typically as secure as a
personal computer. When you use public computers, we will
ask you additional questions before you sign on to protect
your personal information. Examples of public computers
include, computers available at a library, coffee shop, or
other public locations.
WHAT
HAPPENS IF I REGISTERED A PERSONAL COMPUTER BY MISTAKE?
CAN SOMEONE USE IT TO ACCESS MY ACCOUNT INFORMATION?
No, someone cannot access your account information online
simply because the computer has been registered. In addition
to the cookie we use to register a computer, your user ID
and password are needed to sign on from an authorized
location. If you are concerned about a cookie that has been
left on a public computer, we suggest that you change your
password and/or user ID. The cookie does not contain this
information and is useless if these other identifiers are
not presented properly. Cookies are also updated
periodically as an additional security measure.
IF
MULTIPLE PEOPLE USE THIS COMPUTER, SHOULD EACH PERSON
REGISTER IT?
If more than one person is commonly using this computer to
access information for accounts they have with us, each
person should register the computer for faster access to
their information. Registered locations are saved for each
customer.
IF
I REGISTER THIS COMPUTER WILL I EVER BE ASKED TO REGISTER IT
AGAIN?
You may be asked to register this computer again if the
cookie is deleted or if your Internet browser doesn’t allow
permanent cookies. Also, if you use more than one Internet
browser on your computer, you will be asked to register this
computer the first time you use a different browser. Note:
If your Internet browser doesn’t allow permanent cookies,
you can change your cookie settings using the instructions
provided in the Internet browser’s help file.
ARE COOKIES DANGEROUS TO MY COMPUTER?
No. Cookies are small text files that can only be retrieved
by the website that stored it on your computer. These
websites cannot look at any other cookie or anything else on
your machine. The cookie we store on registered computers
are only used to ensure that an authorized location is
accessing your account information. It is not used to track
your Internet activity and cannot be used by others to
access your information.
DOES ANTI-SPYWARE AND FIREWALL SOFTWARE AFFECT REGISTRATION
OF A PERSONAL COMPUTER?
We recommend that you use anti-spyware and firewall software
on all your computers. However, some anti-spyware and
firewall software do not allow cookies to be stored on a
computer. If your anti-spyware or firewall software do not
allow cookies, you may not be able to register your personal
computer. Some anti-spyware software may give you an option
to remove cookies. If our cookie is removed, your personal
computer will no longer be registered and you will be asked
to answer confirmation questions the next time you sign
on.
HOW CAN I GUARANTEE THE SECURITY OF MY BANKING INFORMATION
You are the first line of defense for your online account
security. We recommend that you:
·
Never provide your user ID and password to
anyone. Our employees never ask for this information.
·
Be careful with your password. Do not write it
down or maintain it in a place that is easily accessible.
·
Select a password which consists of letters, a
series of numbers, or a combination of letters and numbers
that cannot be easily guessed by others.
·
When you are done using Online Banking, exit
the system by clicking the Sign Off link in the top-right
corner of the page.
HOW OFTEN CAN I CHANGE MY PASSWORD?
As often as needed but only once per day. Once you are
signed on, go to Customer Service to make the change.
HOW DO I ACCESS ONLINE BANKING IF I FORGET MY PASSWORD?
Click the Forgot Your Password link on the Login page. If
this link isn't displayed, please contact Customer Service
for assistance.
BESIDES SETTING UP SECURE
SIGN ON, ARE THERE ADDITIONAL THINGS I CAN TO DO MAKE MY
EBANKING AND INTERNET TRANSACTIONS MORE SECURE?
The use
of security software provides additional protection for
eBanking and other Internet transactions. Please
ensure your PC systems are installed with security software
for firewall, anti-virus, and spyware protection. Also, to
be most effective, this software needs to be used and
updated regularly.
FOR MORE INFORMATION
·
Watch the video
·
Review General
Information
·
Call us
with questions at 1-866-792-2101
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