The PassMark - Layers of security, Loads of personality.

Stronger Security

To protect the privacy and the security of your personal information, we are introducing a new security feature. The new security feature uses an image called a PassMark™, and a phrase which helps you to identify that you are at our Web site, not a fraudulent look-alike site. Additionally, the new security feature provides you added safety by helping us to identify you and to prevent unauthorized access to your accounts.

When you visit your branch office, you can identify us and we can identify you. Your PassMark and phrase enable you to identify us over the Internet. When you enroll in our new security feature, you will select a PassMark and a phrase known only to you. Whenever you login we will show you this PassMark and phrase, so you can rest assured that you are accessing our real Web site and not an impostor site.

We can identify you by checking the computer(s) that you are using to access our Web site. Typically you will access our Web site from one or two computers, such as your work and home machines. Either way, our Web site will remember your computer, preventing potential fraudsters from logging into your account even if they acquire or guess your Login ID and password. Should you need to login from a different computer, such as an Internet café, we will take additional steps to verify your identity, through a series of Challenge Questions you set-up at the time of enrollment.

Above all, this new security feature provides a significant increase in your online banking security versus User ID and password authentication without much change in your experience.

To learn more about our new Enhanced Security, please click on one of the subjects below for more information.

> Enrolling in our Enhanced Security
> What to expect when logging into Internet Banking using our Enhanced Security
> Frequently Asked Questions and Answers

Enroll to take advantage of our new level of security.


STEP 1 Enter your Login ID. Click Submit.
STEP 2 Enter your Password.
Click Continue.
STEP 3 Select your PassMark and phrase.
A PassMark is automatically provided. If you wish to choose a different PassMark, click "More PassMark Images."
Then click on your preferred image.
STEP 4 Enter a phrase that is secret and unique to you. Click Continue.
STEP 5 Select your challenge question. You can access the dropdown list by clicking the arrow button.

Enter the answer.

Repeat this process for Challenge Questions #2 and #3.

Click Submit.
back to top

Login to take advantage of our new level of security.


STEP 1 Enter your Online ID. Click Submit.
STEP 2 If we recognize your computer we will display your PassMark for you to see.

or
If we don't recognize your computer we will ask you one of your secret Challenge Questions.
then
After you answer your Challenge Question correctly, we will show you your PassMark and phrase.
STEP 3 Once you recognize your PassMark and phrase, you can then enter your Password and feel safe while you conduct your financial transactions online with us.
back to top

Frequently Asked Questions

  1. Why do I need this new security feature?
  2. Where do I enter my Password?
  3. How will you confirm my identity?
  4. How will I know that I am not at a fraudulent site?
  5. I am not an Internet expert. How easy is this new security feature to use?
  6. Why has the login process changed?
  7. Can I access my account from multiple computers?
  8. Why am I being asked a question when I try to log in?
  9. How do I register a computer for future login?
  10. What keeps somebody from stealing my PassMark™ and phrase?
  11. When will I establish my PassMark™ and phrase?
  12. Can I upload my own PassMark™?
  13. Can I change my PassMark™ and phrase at any time?
  14. What should I do if my PassMark™ and/or phrase are incorrect?
  15. When will I establish my Challenge Questions?
  16. Can I change my Challenge Questions at any time?

Q1: Why do I need this new security feature?
A1: We are providing an enhanced security feature that helps protect you while you access your accounts online. On the Internet today, fraudsters attempt to steal your identity by impersonating the Web sites you trust. We are committed to proactively protecting you, our customer, against such attacks. This new security feature helps us do this.
back to top

Q2: Where do I enter my Password?
A2: The login process has improved to protect the privacy and the security of your personal information. We will still ask you for your Password, but not until we have confirmed your identity and let you know you are at the correct Web site.
back to top

Q3: How will you confirm my identity?
A3: We will confirm your identity by two authentication “factors.” These factors include:

  • Something You Know (your Login ID and Password)
  • Something You Have (your computer)
We use your computer as the second-factor (something you have). If we cannot confirm your identity or we do not recognize your computer, we will ask you a Challenge Question to which only you know the answer. These Challenge Questions are selected and answered by you when you enroll in the new security feature. If you answer the Challenge Questions correctly, you're identity will be confirmed and you can proceed with login. You can also let us know to recognize your computer for future login.
back to top

Q4: How will I know that I am not at a fraudulent site?
A4: Previously, you logged into online banking using your Login ID and Password. Now, you’ll also use a PassMark, and a phrase. Your PassMark and phrase help you to identify that you are on our Web site, not a fraudulent look-alike site. Here’s how it works:

  1. First, you'll enter your Login ID and click the Submit button.
  2. If we recognize the computer you are using, your PassMark™ and phrase will be presented to you on the next page. Once you confirm your PassMark™ and phrase, you'll know you can safely enter your Password. If you don't recognize your PassMark™ and phrase, don't enter your Password.
back to top

Q5: I am not an Internet expert. How easy is this new security feature to use?
A5: Our new login solution is extremely simple for anyone to use. You don't need to memorize anything new—just use the site as usual and look for your PassMark™ and phrase at login.
back to top

Q6: Why has the login process changed?
A6: Login has changed to protect the privacy and the security of your personal information.
back to top

Q7: Can I access my account from multiple computers?
A7: Yes, you can still access your account from any number of computers. If you login from a new computer or a public terminal, you will just need to go through one extra step of answering a Challenge Question. This helps protect you by keeping unauthorized people from accessing your valuable information. There is no limit on how many different computers you can use to login to your account.
back to top

Q8: Why am I being asked a question when I try to log in?
A8: We ask you a Challenge Question when we detect that you are trying to log in from a new computer. This is to prevent unauthorized access to your accounts. Since only you know the answer to the questions, we will know it’s really you. Generally you will be asked to answer a secret question only when you login for the first time from a new computer. After you answer the question, you will be asked whether we should remember this computer for future logins. If you are using a public terminal, you will want to answer no.
back to top

Q9: How do I register a computer for future login?
A9: If you have not created your PassMark™ and phrase, you will be prompted to do so the first time you enter your Login ID and click the Submit button before entering your password. During enrollment you will register your computer while selecting and answering your Challenge Questions. If you have already enrolled in the new security feature, you will have the opportunity to register your computer after answering your established Challenge Questions.
back to top

Q10: What keeps somebody from stealing my PassMark™ and phrase?
A10: We only show you your PassMark™ and phrase if you login from your registered computer, or after you have answered a secret question. So, it is not possible for an unauthorized person to get access to your PassMark™ and phrase.
back to top

Q11: When will I establish my PassMark™ and phrase?
A11: If you have not yet established your PassMark™ and phrase, you will be prompted to do so the first time you enter your Login ID and click the Submit button before entering your password. In addition to establishing your PassMark™ and phrase, you will also be asked to select and answer Challenge Questions and register your computer for future login.
back to top

Q12: Can I upload my own PassMark™?
A12: No, you cannot upload your own PassMark™ at this time. For security reasons, you must choose from the 50,000+ images we provide to you during enrollment.
back to top

Q13: Can I change my PassMark™ and phrase at any time?
A13: Yes, you can change your PassMark™, phrase and Challenge Questions by selecting the appropriate check box during login.
back to top

Q14: What should I do if my PassMark™ and/or phrase are incorrect?
A14: Immediately call Customer Support.
back to top

Q15: When will I establish my Challenge Questions?
A15: If you have not yet established your Challenge Questions, you will be prompted to do so the first time you enter your Login ID and click the Submit button before entering your password. In addition to selecting and answering your Challenge Questions, you will also be asked to create your PassMark™ and phrase and register your computer for future login.
back to top

Q16: Can I change my Challenge Questions at any time?
A16: Yes, you can change your PassMark™, phrase and Challenge Questions by selecting the appropriate check box during login.
back to top