| MultiFactor Authentication Security FAQs |
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What is MulitFactor Authentication Security? |
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Multi-Factor authentication is a new feature for online banking and online applications that gives you and your accounts an additional layer of protection from fraud by using more than one method to confirm your identity.
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| Why is MulitFactor Authentication Necessary? |
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The Federal Financial Institutions Examination Councils (FFIEC) has determined that the security provided by a single password may be defeated with new technology being employed by the high-tech hackers of today. In response, regulators have mandated that enhanced security precautions be implemented to increase online safety and make accounts more secure while preventing spoofing attempts by look-a-like web sites. |
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| How does MulitFactor Authentication Work? |
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Once the new feature becomes available, the online banking application login will only ask for an account number. Your password will be requested on the second screen. The account number and password will be validated. Then, you will be asked to register your computer and complete a simple questionnaire, or select "Not right now, please remind me later" to login immediately. This allows members to complete the registration process at a more convenient time from a trusted computer.
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| What Are The Features of MulitFactor Authentication? |
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Features of this new security include:
- Registration of your primary or other trusted computer(s) to allow express login.
- Selection of a known phrase so as to insure that you are on a site you know.
The unique phrase is only visible when logging on from a registered computer.
- The ability to login from other computers using a Security Code or Temporary Key.
- An option to receive an e-mail or text message upon every login or attempt.
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| How Many Computers May I Register? |
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You may register as many computers as you wish, but caution must be taken not to register computers accessible by others not authorized to access your accounts (e.g., your local library or at work). |
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| What is a "cookie"? |
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A cookie is data sent to your computer by a web server that records your actions on a particular web site. It is a lot like a preference file or a profile. When you visit the site after being sent the cookie, the site will load certain pages according to the information stored in the cookie. |
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My "Known Phrase" Does Not Appear On The Second Page When I Login.
What Is The Problem? |
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The Known Phrase only appears on a registered computer. It is recommended that you always login from a trusted registered computer. Caution should be taken if you do not see this phrase. If you wish to register additional computers, you will be given a chance to do so after you have entered your Security Code using the virtual onscreen keyboard and mouse or entering a requested temporary key.
Note: The known phrase may not appear on a previously registered computer if you periodically delete cookies from your PC. |
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| Do I Need To Change The Settings On My Computer? |
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You may need to change your Internet privacy and/or security settings to accept third-party cookies for all sites or, if possible, specifically for this online banking location. |
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| How Do I Register Multiple Computers? |
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When you login to the online banking application from an unregistered computer, you will be asked if you wish to "Register this computer now" after entering your Security Code using the onscreen keyboard and your mouse. It is that easy!
Note: We do not recommend registering computers accessible by others not authorized to access your accounts (e.g., your local library or at work). |
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| How Do I Login From An Unregistered Computer? |
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When you attempt to access the online banking application from an unregistered computer without the secure cookie, you will be asked to enter your Security Code using the onscreen keyboard and your mouse. Correctly typing in the Security Code allows you to access the online banking application. |
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| Why Do I Have A Password As Well As A Security Code? And, Can These Be The Same? |
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Your PASSWORD is used to access the online banking application while a Security Code is used during the login process if logging in from an unregistered computer. It is not recommended that you use the same alpha-numeric string for both your PASSWORD and Security Code. |
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| I Have Attempted To Login From An Unregistered Computer And Can't Remember My Security Code, Help. |
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No problem, just start the login process and refresh your memory with the Reminder that appears just above the virtual onscreen keyboard. If the Reminder does not help use the "Click here to Request Temporary Key" located under the onscreen keyboard. A temporary key will be sent to you via text message or e-mail depending on your preference settings. Once you receive this key, log back in with your Account Number, Password and Temporary Key.
Note: A temporary key is valid for approximately one (1) hour and can only be used once. |
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| The Login Screen Is Requesting A Temporary Key Be Entered, Why? |
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A temporary key entry field is visible if one was requested within the last hour. This field will no longer be visible once you successfully login. You may enter the temporary key received via e-mail or text message. Or, if you remember your Enhanced Security Code simply enter your Account Number and online banking application password then click continue to reveal your Reminder and Security Code Onscreen Keyboard to login. Note: The use of a mouse is required to select your code’s characters from the onscreen keyboard. |
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| Am I Required To Activate MulitFactor Authentication Security? |
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To comply with federal regulatory guidelines, activating this additional level of security has become mandatory for all online banking users. |
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| What happens if my Enhanced Login Security cookie is deleted or blocked by my anti-virus program? |
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At this time, Enhanced Login Security will be disabled and you will need to register the computer(s) again or access the online banking application by using your Security Code or the Temporary Key feature. |
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Can I update/change my Enhanced Login Security settings once they have been established? |
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Yes. You can update your settings by selecting "Change my settings" located on the second login screen under the Password field. Once you have been authorized, you will be given the opportunity to change and save your settings. |
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| What happens if I enter an incorrect Password? |
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If you attempt to login with the wrong PASSWORD an error message will be displayed. Return to the login screen to try again. You can attempt to login five times before your online banking application account is frozen.
If your account is frozen, you will need to contact a Financial Service Representative to reconfirm your identity and have your account unfrozen. |
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| I use more than one browser (e.g., AOL and Internet Explorer) on my computer(s). Which one should I use to register with? |
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You should register your computer from all browsers to ensure the secure cookie is detected upon login. |
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