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

To protect the privacy and the security of your personal information, we are introducing a new security feature.

Previously, you logged into online banking using your Login ID and Password (or single-factor authentication).  The new security feature adds the use of 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.

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.
3. If we do not recognize the computer you are using, we will ask you a Challenge Question to confirm your identity and determine if you would like us to recognize this computer in the future. If you correctly answer your Challenge Question, you can proceed with login.

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.