Security FAQs

Q. Is OnLine Access secure? Is my private information safe?
A. OnLine Access uses industry-standard methods to protect your account information and continually seeks new ways to enhance account security. OnLine Access uses multiple layers of security to authenticate your identity when you log in to the system and to safely store and transfer your data, including

Unique User ID and password
Security questions and answers
128-bit SSL encryption
Automatic account sign out

Q. Why are you asking one of my security questions?
A. From time to time, we will ask one of your security questions to double-check your identity and prevent unauthorized account access.

Q. Can I update my security questions and answers?
A. Yes. While logged in to OnLine Access, visit the Self Service area and select the link to “Change User ID/Password/Security Questions.

Q. Is Mobile Banking Safe?
A. Mobile Banking uses multiple layers of security to protect your personal information, including two-factor authentication and encryption of offline storage. You must enroll in Mobile Banking through OnLine Access to acquire an initialization code before the application can be downloaded to your cell phone. Once downloaded, Mobile Banking requires a 6-digit PIN to access the application. All data placed into local storage on the cell phone is first encrypted. This ensures that if the mobile device is lost or stolen, the data stored locally for the Mobile Banking application is unreadable.

Q. Can someone intercept my Mobile Banking transactions?
A. No. Your information is protected with 128-bit SSL encryption as it travels from your cell phone to the bank. The 128-bit SSL encryption technology is the same encryption used to protect Internet traffic for secure web applications. By encrypting your information, we ensure that it is unreadable to outside parties.

Q. Can Mobile Banking be accessed without a PIN?
A. No. For security reasons, Mobile Banking requires you to enter a 6-digit PIN with every login. If someone finds your phone and tries to guess your PIN, they have three attempts before the Mobile Banking application is locked. Once locked, Mobile Banking cannot be accessed until it is unlocked by you through OnLine Access or by contacting OnLine Access Support. You will be asked to verify your identity before customer support will unlock Mobile Banking.

Q. What can I do to protect my account?
A. Good security starts at home, at the office or wherever you access your account. We suggest that you

Create longer passwords that use a combination of letters and numbers. Avoid using family member or pet names, birthdates and phone numbers.
Never write down or share your password. Passwords should never be automatically filled in by a computer. The same holds true for your security questions and answers.
Change passwords regularly. Do not alternate between the same passwords.
When you log in to OnLine Access you are in a secure session. Make sure by looking for a padlock symbol on the lower right hand corner of your browser or by looking at the web address – it should start with https://.
Only use OnLine Access on computers with up-to-date anti-virus and anti-spam software. Install a personal firewall, especially if you use a broadband connection.
Sign off from OnLine Access if you must step away from your computer or you have completed your tasks.
Be wary of correspondence that asks you to disclose your password or account detail. Remember, we will never ask you to provide private information by e-mail.

Q. Who do I contact for customer support?
A. Please contact OnLine Access Support at 1-866-518-4721.