Online Banking Security Upgrade
Why are you changing the security standards?
We care deeply about keeping your money safe while providing you with easy access to your accounts. With the continued growth of online banking, there are increased needs for greater security standards to keep you and your money well protected. In addition, the government recently issued new guidelines calling for enhanced security measures for online banking. Thus, we are upgrading our security process to provide you with the best protection available.
What are the changes?
There are two key changes:
Ensure that your login is as strong as possible.
Your Username must be at least six characters long, and it must contain both letters and numbers. Although not necessary, consider using a symbol in your Username for an even stronger login. Should you choose to use a symbol in your Username, please only choose from the symbols listed below.
Valid Symbols for Username (optional)
@ $ * _ - = ! . ~
Your password must contain a combination of both letters and numbers and is case sensitive. For a stronger password, utilize a combination of letters, numbers and symbols.
Sample Acceptable Password Combinations Letters and Numbers Bobbie71 Letters, Numbers & Symbol BoBBie71*
While it is not necessary to include a symbol in your new password, you may utilize any symbol found on your keyboard.
Verify your identity by phone or e-mail beginning the evening of November 6, 2012.
We are also implementing a new requirement to verify your identity by phone or e-mail. After providing your Username and password, you will be asked to provide a phone number or e-mail address for a phone to which you have ready access. We will immediately send an access code to either your choice of e-mail or phone (via voice or SMS text message) that you will enter into your computer to complete your login. For a stronger authentication, we recommend that you use your phone to receive the access code.
You will have the option to register your computer for future use, or register your computer for one-time access.
You are encouraged to register your computer for future use if you are using a computer you will use frequently to access online banking (such as a home or office computer). Registration of the computer for future use will allow you to bypass this registration process for future online banking logins, provided your browser is configured to accept what is commonly referred to as a “cookie”.
You are encouraged to register for one-time access if you are registering a computer that will be used one time or infrequently (such as a public computer).
Please note: You can ask the system to remember your computer or device so you do not need to repeat this step every time you log in. You may register multiple computers or devices however you will need a new access code for each computer or device not recognized by the system.
How will using my phone make my account safer?
We are implementing what is known as “multifactor authentication” which makes it more difficult for phishers and online attackers to access your accounts without your knowledge. While this might seem unfamiliar, you actually use multifactor authentication every time that you visit an ATM. When you access your account from any ATM, you need both your ATM card (something that you have) and PIN (something that you know).
We are implementing the same type of protection by using both your password and the access code sent to your phone to access your account. By doing this, even if an attacker or a phisher manages to steal your password and tries to use it to log in, they would be unsuccessful because they would need your phone as well.
Will I always need to use both my password and my phone from now on?
The first time you attempt to log in from a new (unregistered) computer, you will need to use both your password and the access code you receive on your phone or e-mail, depending upon your choice in order to log in. If you are accessing from a private computer that you personally use, you can opt for the system to “remember” your computer for future logins. (See the screen example below.)
By doing this, you will not need to repeat the step of obtaining an access code via phone or e-mail, and you will only need your Username and password in the future to log in.
For the best security protection, we suggest that you always use both your phone and your password. If you do opt to have your computer “remembered”, we recommend that you do so only on computers that you personally own and that have the latest updates and virus protection software installed on them.
Why are you changing Bill Pay?
We are upgrading Bill Pay as part of our continuous efforts to improve your online banking experience. The new look and new features have been designed to make it faster and easier to manage your bills.
When will this change take place?
The new Bill Pay will be ready to use on Tuesday evening, November 6th.
What are the key changes?
Bill Pay has been refreshed with a new look and intuitive features.
An at-a-glance status next to each payee makes it easy to see exactly when bills are due when you use advanced features such as reminders, eBills, and recurring payments.
Have a long list of Payees? Take advantage of the new Hide feature that allows you to “hide” payees from your list, but keep them active.
Common tasks are easier to access with our new Options window. Complete virtually all of your Bill Pay tasks from one screen.
Easily compare your current payment amount to past payments. Simply click on the payment amount field to see your recently completed payments. Want to pay the same amount? Click on it and the payment amount field will auto-fill for you.
Quick links give you fast access to alerts and more.
Is there anything I need to do?
There is nothing special you need to do. Once the upgrade is completed on November 6th, simply access Bill Pay the way you always have and enjoy the new features.
Will any of my scheduled payments be impacted?
The upgrade will not affect your payees, eBills, scheduled payments or payment history. Rest assured that your information and scheduled payments will remain intact
Will Bill Pay be unavailable at any point?
During the short upgrade process, you may not be able to access Bill Pay for a brief time from 8:00pm - 11:00pm November 6th.
We are here to help.
Our new security standards and bill pay enhancements will make it even safer for you to monitor and manage your money while safeguarding against unauthorized access to your accounts. If you have any questions, or would like us to guide you through the process, you may send us an e-mail or give us a call.