Security & Privacy

Information for Using our Website and Online Tools Securely

Online Banking and Bill Pay Security

Overview of Security

The Online Banking login process includes layered authentication security. This layered authentication is intended to prevent unauthorized access to a customer’s account, validate their identity, protect their account information from fraudulent use, and prevent the theft of their identity.

Security Data

The following security information, which a customer sets up during the enrollment process, is used to protect their Online Banking sessions:

• Access ID
• Password
• Email address
• Challenge Questions
• Computer Registration

Set Security Data

The Set Security Data page displays when you have not yet set up the additional authentication security data that is needed to protect your personal account information. Although setting up the security data is a one-time process, you may change the security data at any time.

To set the initial authentication security data:

1. After you enter your access ID and password during the login process, the Set Security Data page displays.
2. In the Contact Information section, enter and verify your email address.
3. In the Challenge Questions and Answers section, select three questions and enter an answer for each one.
4. Select one of the options to indicate whether you want the computer you are using to be registered:
   1. If the computer you are using is your home computer or personal laptop computer, select This is a Personal Computer. Register it. This means the Online Banking software will recognize your computer when you log in.
   2. If the computer you are using is a shared computer, such as a computer in a public library or at a cafe, select This is a Public Computer. Do Not Register It. This means the Online Banking software will not recognize the computer when you log in and a security challenge question will need to be successfully completed.
5. Click the Submit button.

Access ID and Password Information

Access IDs or User Codes, in conjunction with unique passwords, provide security when accessing Online Banking.

You may select your own ID and password when you enroll.

Access ID

Your Access ID must be at least 6 characters with any combination of letters, numbers, or special characters. An abbreviated name or nickname that is easy to remember is recommended.

If you forget your Access ID, contact a bank representative. You may be given a new password to be used for your next login attempt. Following a successful login, you will again be prompted to change your password. For information on how unsuccessful login attempts are handled, review Unsuccessful Log In.

Password

After your initial Access ID and password setup is complete, you may change a password at any time. If you have forgotten your password, you may click on Forgot Password to have a new temporary password emailed to you.

When creating your own password, remember how you entered it so you may use it for future logins. The following guidelines are enforced:

• Passwords are case-sensitive
• Passwords must contain both alpha and numeric characters
• Passwords can contain special characters (#, @, *, !, etc.)

Security Challenge

A security challenge occurs when the Online Banking software does not recognize the computer from which you are attempting to log in. The purpose of the security challenge is to prevent unauthorized people from accessing your account information.

The challenge requires you to prove your identity either by correctly answering one or more of the challenge questions you selected when you set up the authentication security data. When you correctly answer the security questions, you are allowed to access your accounts.

Registering a Computer

Every computer has a unique set of characteristics, similar to a fingerprint.

When you register a computer during login to Online Banking, the computer's unique set of characteristics are stored and used as additional validation criteria during subsequent logins.

If you choose not to register a computer, you will be presented with a different validation process, consisting of challenge questions.

It is recommended that you register your computer(s) so that the login process is both secure and convenient.

Frequently Asked Questions About Security

I sometimes access Online Banking from a public computer, such as at an Internet cafe or at work. Can I still use those types of computers to do my Internet Banking?

Yes, you can continue to use public computers to access Online Banking. As part of your enrollment in the Layered Authentication process from your home computer (or other non-public computer you regularly use), you will complete a series of challenge questions and confirm your email address. If you need to access Online Banking from a public computer, you will be provided with an additional confirmation process using the challenge questions. When you have correctly answered the challenge questions, you will be granted access to the system.

Am I required to enroll in Layered Authentication?

Yes, all Online Banking users are required to enroll in Layered Authentication for their security. We are confident that you will find the process easy to use and convenient.

Why should I register my computer?

Each computer has a unique set of characteristics, similar to a fingerprint. When you register a computer, its unique set of characteristics are stored by Online Banking and used as additional validation criteria during subsequent logins. If you choose not to register a computer, you will be presented with a different validation process consisting of challenge questions. Thus, we encourage you to register your computer and make for a more convenient, yet secure, login process.

Is there a limitation on the number of computers I may register?

There is no limit on the number of computers you may register.

Privacy Policy

Visitors to this bank website remain anonymous. We do not collect identifying information about visitors to our site. We may use Google Analytics software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• Pages you visit and what is downloaded
• IP address (A numeric address given to servers connected to the Internet)
• Type of operating system on your computer
• Type of web browser you are using to view this site
• City, state, and country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. This information is only collected in the aggregate, and not on you individually. The bank does not allow Google to use or share our analytics data. For more information on how Google Analytics uses this information, visit www.google.com/policies/privacy/partners

If you do not wish to have your information shared with Google Analytics, Google makes available a "plug in" for users of Internet Explorer, Firefox, Safari, and Chrome browsers which prevents your browser from sharing any information with the Analytics software. You may download and install the "plug in" here: https://tools.google.com/dlpage/gaoptout

The bank does not collect or retain personal information when you browse our website or when you use the planning tools on our website, such as the financial calculators. However, visitors may elect to provide us with personal information via an online loan application, E-mail, or online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

Certain areas of our website may use a technology called "cookies". Cookies are small files our website installs on your hard drive's computer memory (RAM), which contains technical and personal information and enable you to use our online transactions or applications. They are a requirement because they help protect the privacy of a customer's transactions, for example, by automatically terminating an online session if the customer forgets to log out.

If you deny a cookie, you will be unable to process online transactions on our website.

When we use a cookie to call up a database file with personal information provided by you, that information is stored at the website, not in the cookie. Cookies cannot be used to capture your E-mail address, obtain data from your hard drive or gain confidential or sensitive information about you.

When you use a link from our website to go to another site, our privacy notice is no longer in effect.