Enhanced Authentication

What You Need to Know About Enhanced Authentication

We take your online security seriously. Therefore, we are introducing Enhanced Authentication for your Virtual Branch Home Banking system.

What is it?
It is a new tool that provides extra protection for your online data and helps guard against fraudulent online activities like phishing scams (malicious requests for personal information) and identity theft.

Do I have to use it?
Yes, everyone will be required to use Enhanced Authentication. However, there will be a Grace Period – a period of time during which you can log in as usual until you are ready to enroll.

How does it work?
In addition to your Logon ID and Security Code, the system recognizes your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access.

How does it protect me against phishing?
When you enroll in Enhanced Authentication, you choose a secret image and phrase combination. You will see this image and phrase each time you log on. When you see your secret image and phrase, you can be reassured that you are logging on to your actual Internet banking or bill payment site.

Export Transaction History

EXPORT
Q. Can I download transactions to my Personal Financial Manager software (such as QuickenTM, Microsoft MoneyTM or Microsoft ExcelTM)?
A. Yes, the system has an Export feature.

Send a Secure Message through Home Banking

SECURE MESSAGES

Q. How do I send a secure message to Customer Service?
A. When you select Compose New Mail from the menu, a Send To drop-down selection is presented. Select the appropriate recipient and click the Create Message button.

Q. Can I send a secure message to one of my merchant/payees?
A. No, you may only send a secure message to us.

Q. Can I receive an email to let me know that the system has sent me a secure message?
A. To indicate when you want to receive an email, select Personal Information, Alerts. On this screen you can choose which incidents should generate an email.

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