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You will now see some changes in our Internet Banking environment. These changes are being made to keep your information even more
secure, while ensuring that Internet Banking remains convenient and easy for
you to use.
We’re adding a layer of security to the Internet Banking login process to
further validate your identity. This process is designed to keep your
personal account information protected from fraud and identity theft.
During the enrollment process, you will complete a number of activities:
1. View your current email address on file
2. Accept new version of Terms & Conditions
3. View your authentication image
4. Enter your authentication pass phrase
5. Provide answers to a series of challenge questions
6. Decide whether or not to register your computer
If you are using a public computer at that time, such as in an Internet café
or library, you may still complete the enrollment process. Later, you may
register a non-public computer you usually use to access Internet Banking,
such as your home or office computer. There is no limitation on the number
of computers you may register.
Our additional security measures also provide another level of assurance for
you to confirm that you are accessing our valid Internet Banking website. As
part of the enrollment process, you’ll view a unique image and enter a
corresponding phrase that will subsequently be displayed to you every time
you access Internet Banking. This two-way authentication provides you with
the assurance that you have not been redirected to a spoofed or fraudulent
website. You can then conduct your Internet Banking transactions with peace
of mind that your information is safe. If you do not see your image and
phrase after completing the enrollment process, you should contact us before
entering any information.
We’re committed to keeping your personal financial data safe and secure. We
welcome your feedback on our new security measures, and encourage you to
contact us with any questions or concerns.
Q. Will I be able to change my Authentication Image?
A. A default image will be provided to you at enrollment, and you must keep
this selection initially. You will then be able to change your
Authentication Image after completing the enrollment process. You will be
able to select from a library of thousands of images.
Q. I sometimes access Internet Banking from a public computer, such as at an
Internet café or at work. Can I still use those types of computers to do my
A. Yes, you can continue to use public computers to access Internet Banking.
As part of your enrollment in the Layered Authentication process from your
home computer (or other non-public computer you regularly use), you will
complete a series of challenge questions. If you need to access Internet
Banking from a public computer, you will be provided with an additional
confirmation process using the challenge questions, and then will be granted
access to the system.
Q. Am I required to enroll in Layered Authentication?
A. Yes, we are requiring all Internet Banking users to enroll in Layered
Authentication for their security. We’re confident that you will find the
process easy to use and convenient.
Q. How does the Authentication Image protect me?
A. The Authentication Image that is presented back to you is a verification
that you are accessing our legitimate Internet Banking site. By presenting
the Authentication Image and passphrase that you established during the
enrollment process, we are providing an assurance to you that your activity
has not been redirected to a fraudulent site where your login credentials
could be compromised.
Q. Why should I register my computer?
A. Each computer has a unique set of characteristics, similar to a
fingerprint. By registering the computer, its unique set of characteristics
will be stored by Internet Banking and used as additional validation
criteria during subsequent logins. If you choose not to register a computer,
you will be presented with a different validation process consisting of
challenge questions/answers. Thus, we encourage you to register your
computer and make for a more convenient, yet secure, login process.
Q. Is there a limitation on the number of computers I may register?
A. There is no limit on the number of computers you may register.