In order to make your online service experience as secure as possible we are introducing new security features. Most of the time your online experience will be the same as it was before, only now you will have an extra layer of security working behind-the-scenes to protect your account. The new security may – very infrequently – prompt you to verify your identify before continuing. This means you can now bank online with an even greater sense of confidence.

The new security features add a layer of protection to your online account by letting you know it’s really us, and letting us know it’s really you.

Letting you know it’s really us – Personalized Image and Name

• You pick one of thousands of images, and then give the image a name to help identify it to you.
• Every time you attempt to log into your bank account your image and name will appear before you enter your password.
• Seeing your image and name will let you know that you are at your real online banking site and not a fake or fraudulent site. This means it is safe to enter your password.
• If the correct image and name do not appear, do not enter your password.

Letting us know it’s really you – Security Questions

• You will be asked to set-up several security questions that only you should know the answers to.
• The security system will recognize the computers you normally use to access your online banking site.
• In the future, if you or someone else attempts to log in to your account from a new or unrecognized computer, you will need to answer some of your security questions before being allowed to continue.

You will be prompted to select your personal image and name and security questions very soon. You do not need to do anything to initiate this process. When you are prompted, please take a moment to set up your image, name and questions in order to add an additional layer of protection to your account.

There is absolutely no cost associated with the new security system. This is just part of our on-going commitment to providing you with the highest levels of security available.

Yes, you can both continue to log on to the account as usual. However, you may want to establish your personal image and name, and security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in.

This might happen in rare cases. Before answering a challenge question or entering your password, make sure that you are going to our legitimate website. The easiest way to ensure this is by typing our URL directly into your web browser. Then, after you answer the security question, you should see your personal security image and name next to the password field. If your personal security image and name are there, you can be confident that you are at our legitimate website and can enter your password.

Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your personal security image and name.

We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. These new security features protect against another kinds of threats such as a stolen user id and password. It works with your other personal security programs, but it does not replace them.