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News & Alerts

Enhanced Security for Online Banking

December 11, 2012

We are pleased to announce enhanced security for online banking.  Beginning in mid-December, your online banking experience will include a new security service, which will further help protect you from identity theft.

The major change you will notice is that the Challenge Question will be replaced with a phone-delivered
One-Time Password (OTP) to better protect you from credential theft.  In addition, User ID and Password requirements are being modified for easier online access.

New requirements are as follows:

  • User Name – minimum of six characters (alpha or numeric)
  • Password – minimum eight characters (must include 1 alpha, 1 numeric, and 1 special character)
  • Bad login attempts – Three (before account is blocked)
  • Password Expiration – 120 days

Once this new security service takes effect, you will be prompted to enroll your phone number for use in delivering the One-Time Password for each computer you use to access online banking. In the future, you will use the One-Time Password feature instead of answering Challenge Questions.

In addition to these enhanced security features, you will also notice new enhancements to the look and navigation your Online Banking platform.

Click here for Frequently Asked Questions
Regarding the Enhanced Security Upgrade

Why is Enhanced Security So Important?

Here are some facts and figures about cyber-hackers:

  • A hacker with a fast computer can crack a four-number password in a tenth of a second.
  • An eight-number password takes a bit longer to break, but still under two minutes.
  • However, change that eight-number password to letters, numbers and punctuation marks, and a hacker will need 210 years.
  • For a 12-character code like that – 17 million years.