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Account Security FAQ
The answers to the following questions are displayed underneath each question. Select the question to hide the answer. Or, choose one of the "Collapse All/Expand All" buttons below.





  1. What is Multi-Factor Authentication?

    Multi-factor authentication (MFA) is a security system in which more than one form of authentication is implemented to verify the legitimacy of a transaction. In contrast, single factor authentication (SFA) involves only a user ID and password.

    You will be asked to select and provide the answers to three security questions and select a Personal Identification Image (watermark).



  2. What are my Security (Challenge) Questions?

    You will select three questions during the enrollment process for Online Banking and provide an answer to each question that only you know. These will be your "security/challenge" questions. For your protection, if we detect anything out of the ordinary with your account or suspect unusual behavior involving your account, we will verify your identity by asking you your selected security/challenge questions.



  3. Can I change my Security (Challenge) Questions and Answers?

    To change your "security/challenge" questions, you must contact the Member Service Center.



  4. What is my Security Image?

    Your security image is the image you select from our library during registration that will be displayed along with your security phrase during subsequent logins. You should never type in the answer to your security questions unless you see your security image and security phrase on the login page.



  5. Can I change my Security Image?

    Yes, you can change your Security Image at any time by selecting "Other Options" then, "Additional Security Verification" from the menu inside of Online Banking.



  6. Can I still access Online Banking from multiple computers?

    Yes. You will be asked one of your Security Questions every time you log in to Online Banking. This will happen the exact same way from any computer whether you have logged on from it before or not.



  7. Why am I shown my Security Image and Security Phrase? How does this help protect me?

    One of the most common tricks fraudsters use is making users think they are logging into a valid website when they are indeed logging into a fraudulent site. Having a Security Image and Security Phrase that only we know makes it more difficult for fraudsters to trick you into giving them your answers to your security questions. If you never type in the answer to your security question unless you see your Security Image and Security Phrase then you will be less likely to be tricked into sharing it with fraudsters.


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