Multifactor Authentication

We take care to safeguard your information. Here are some tips to ensure you have the best protection possible for your identity and personal information.

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Enhanced Security Feature Now in Place

What Is It?

In order to make your online banking experience as secure as possible, we are introducing a new security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected, we will verify your identity.

How Does It Work?

If we detect any unusual or uncharacteristic activity, we will ask you to answer your security questions or receive a phone call to make sure that it's really you. This will most likely be a very rare occurrence.

What are the next steps?

  • Answer and verify three security questions.
  • Continue banking, with an even higher level of security

Frequently Asked Questions

What is this security system?

As our customer, we know your typical transactions, times, and locations. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity so that we can stop fraudulent attempts to compromise your account. This process will only occur on rare occasions. Normally, you will not be asked for any additional information.

For example, if someone tries to sign in with your user name and password from a computer in another country shortly after you have logged off from your normal computer at home, we may decide to verify who is trying to access your account.

How do I sign up for the new security system?

There is no need to sign up for the service-it is already protecting you! You simply need to provide the information that is requested when prompted. This may include choosing several security questions that only you know the answers to.

How much does it cost?

There is absolutely no cost associated with the new security system.

When will I be asked for more information?

You will only be prompted to enter more information when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.

What additional information will I be asked for?

If any unusual or uncharacteristic behavior is detected, you will be asked to answer several of the security questions you chose.

What is unusual or uncharacteristic behavior?

Uncharacteristic or unusual behavior is anything that appears out of the ordinary compared to how and where you normally bank online. If the requested action does not appear to be something you would normally do, we will ask you for more information to verify your identity.

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 PCs you usually use to access your account, or 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 a given activity and transaction within your account appears valid.

How do I know it is working?

The security system will work automatically. You are protected every moment, from signing into your account to logging out. Occasionally, you will see this symbol to remind you that you are being protected:

This symbols reminds you that you're secure, and that we're just making sure we know who you are.

Is my personal information safe?

Yes. In fact, your personal information is safer than ever before because we are verifying your identity and restricting unauthorized users from accessing your information.

How will this help prevent online fraud?

If your user name and password are stolen, the fraudulent user would have to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information the activity is blocked. This added layer of security helps us protect your online account at all times.

I check my account very often. Wouldn't I know if something unusual showed up on my account?

We are glad you check your account! It is always a good idea to regularly monitor your account for any unusual activity (such as withdrawals you didn't make). This security service helps prevent those incidents from ever occurring, so when you check your account everything is exactly as it should be.

I already have anti-virus security and a personal firewall. Why do I need this?

It is a good idea to have anti-virus security and a personal firewall. Keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against other kinds of threats, such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.