How We Protect You
How We Protect You
Card Activity Monitoring
We continually review our cardholder’s activity for any unusual transactions and will contact you promptly to verify suspicious activity.
Our fraud analysts will never ask you to provide your full card numbers, account information or social security numbers. They will merely ask to speak with the cardholder, identify the transaction(s) in question and ask you to confirm if they are valid or not.
If you are traveling, please notify us as to your plans so that we can properly identify legitimate transactions.
Be sure to keep you phone numbers current so that we may reach you promptly.
Card Fraud Alerts
Receive an alert any time your debit card is used so that you can promptly report and unauthorized activity.
Verified by Visa
Verified by Visa works to confirm an online shopper's identity in real time by requiring an additional password or other data to help ensure that no one but the cardholder can use his Visa card online. Enroll now.
The privacy of communications between you (your browser) and our Online Banking servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our Online Banking server.
The computers storing actual account information are not linked directly to the internet.
- Transactions initiated through the Internet are received by Online Banking web servers.
- These servers route your transaction through firewall servers.
- Firewall servers act as a traffic cop between segments of our Online Banking network used to store information, and the public Internet.
- This configuration isolates the publicly accessible Web servers from data stored on our Online Banking servers and ensures only authorized requests are processed.
Various access control mechanisms, including intrusion detection and anti-virus, monitor for and protect our systems from potential malicious activity. Additionally, our Online Banking servers are fault-tolerant, and provide for uninterruptible access, even in the event of various types of failures.
Multifactor Authentication and One Time Passcodes
The first step in protecting your online account is to make sure that we have strong controls for identifying you each time you log into Online Banking. Multifactor authentication makes use of two different factors for identifying you by requiring both something you know (your password) and something you have (your phone).
The first time you log into Online Banking, you will need to provide us with a phone number. A one-time passcode will be delivered to that phone by either text or voice call and you will need to enter the passcode before you can access your online account. Once you have confirmed your identity, you can choose to have your personal computer remembered so that you do not need to enter a code each time you log in. Anytime you log into Online Banking from an unregistered computer you will need to obtain a new access code.
The use of multifactor authentication makes it harder for fraudsters to access your account without you being aware of it. Even if a fraudster manages to steal your password, they would still need access to your phone or your registered computer to access your account.
Your Social Security Number uniquely identifies you. You will be required to use an identifier other than your Social Security Number as your Username.
You will need to create a Username when you register for Online Banking. The Username must be:
- Between 6 and 20 characters
- Cannot be all numbers
- Contain at least one letter or one of the following special characters - @$*_-+.!~
- Can be all letters or special characters
A strong password will help deter identity theft and safeguard your information. The longer and more complex the password, the more difficult it is to compromise. At a minimum, your Online Banking password must be
- Between 6 and 32 characters
- Contain at least two of the following three:
- Special characters
You play a crucial role in preventing others from logging on to your account. Never reveal your password to another person. Never use easy-to-guess passwords. Additional suggestions for strengthening your password include:
- Avoid using words from a dictionary, common or clever misspelling of words, and foreign words.
- Avoid using incrementing passwords with a number.
- Avoid preceding or appending passwords with a number.
- Avoid using passwords that others can easily guess by looking at your desk (such as names of pets, sports teams and family members).
- Avoid using words from popular culture.
- Avoid thinking of passwords per se - think secret codes.
- Consider using passwords that require you to type with both hands on the keyboard.
- Change any preassigned or default passwords.
- Do not have any program "remember" or save your password
- Change your password periodically or anytime you think it may have been compromised. You can change your Online Banking password anytime through My Profile in Online Banking.
We allow you to enter your password incorrectly a limited number of times; too many incorrect passwords will result in the locking of your Online Banking account. We monitor and record "bad-login" attempts to detect any suspicious activity (i.e. someone trying to guess your password).
Forgotten Password Reset
It can happen to any of us. We enter our password incorrectly and are locked out of Online Banking. You will need to provide your registered phone number and your username. A new password will be delivered to your phone by text (default) or by voice call. Helps to protect you from unauthorized password resets.
Additional Online Banking and Mobile Features
We provide a number of additional security features in Online Banking to help protect you:
- Timeout: We recommend that you always sign off (log out) when you have finished your banking online, but if your online banking session remains open with no activity for a predetermined length of time, we will automatically log you out. This prevents curious persons form continuing your Online Banking session if you forgot or were interrupted and left your PC unattended without logging out.
- Last Login Date: The date and time your online banking account was last accessed is displayed in the upper right of your online banking home page. Verifying this will allow you to identify if any unauthorized access has occurred since you last logged in.
- Online Statement: Online Statements are facsimiles of traditional financial statements packaged and delivered to you securely within Online Banking. By eliminating your paper statement, you help stop thieves from stealing your information out of your mailbox.
- Check Images: View an exact facsimile of your check transactions online to help prevent fraud.
- Alerts: Check clear alerts, payment alerts, and balance alerts are financial tools we provide to help you to monitor your accounts more actively and to detect suspicious activity more easily.