Multi-Factor Authentication FAQ's
Question and Answers
Why change the login page?
It is our commitment to our members that access to your financial information is appropriately secure. The change you are seeing on the login page is due to enhanced measures to secure Home Banking.
Summary:
The login process is changing in three ways:
- Login will become a multiple step process instead of one screen where you enter your Member Number and PIN you now enter your Member Number and Random Security Code.
- When you enroll, you will be asked to enter in five challenge questions and corresponding answers as well as a phrase for the Security Image.
- During subsequent logins, you may be asked to answer a challenge question and verify the Security Image that you select (details below).
What is the Security Image?
The Security Image is used to help you protect yourself from phishing attacks. It lets you identify Home Banking as a legitimate site. The phrase you select when you set up your questions will be converted to an image. When you log into Home Banking you will see your Security Image with a watermark logo behind it. You will see it before you put in your pin. It is yours! If it isn't there,
don't go any further. The site isn't the real one.
What is the deal with registering/unregistering my computer?
If you generally use the same computer to access Home Banking, and you know that you can trust anyone who uses it with your checkbook, it may make sense register your computer. When a computer is registered, it will ask you to answer your challenge questions less often, which can save you time logging in. If you are using a computer at work, or one that you share with multiple family members or others, we recommend NOT registering it.
What if I want to change my questions or answers, or change my Security Image?
Once you are logged in, click the "More" button, and look for the Security button in the bottom row of buttons. Click it, and you can change any or all of your questions and answers, as well as your Security Image.
What if I forget my Password/PIN or my Challenge Question answers?
Please feel free to contact us and we can reset your session.
Will I still have access to all the same accounts online?
Yes. This process only affects how you login, not your Internet Banking accounts.
What will happen to my billpay settings I had set up before this change?
All pre-setup settings within your Internet Banking session will remain the same after this change.
Why all this attention to the login process?
While the chances of identity theft or monetary loss are slim, there are active malicious entities on the Internet that try to fraudulently gain from unsuspecting individuals. One of the most popular methods of fraud is through impersonating individuals during the login process. It is our intention to make this process as difficult as possible for these fraudsters while keeping your experience as hassle-free as possible.
