Advanced Online Security

Attention Customers:

You will now see some changes to online banking. These changes are being made to keep your information even more secure, while ensuring that online banking remains convenient and easy for you to use.

We're adding a layer of security to the online 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 passphrase
  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 online 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 online 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 online 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 online 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 online 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 online banking?

A. Yes, you can continue to use public computers to access online 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 online 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, all online banking users are required to enroll in Layered Authentication for their security.

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 online 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 online 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. 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.