Q: What is Enhanced Login Security?
Enhanced Login Security is a new online security feature that provides additional protection from fraud and identity theft. By recognizing your login identification and your computer, Enhanced Login Security verifies that you are authorized to have access to the online system.
Q: Am I required to use the Enhanced Login Security feature?
Yes, once this feature is enabled by your financial institution, you will be challenged at login if the system does not recognize your computer. Enhanced Login Security helps prevent unauthorized access to the online system, protecting the functions and financial information related to your banking accounts.
Q. What does challenge mean?
If the system does not recognize your computer, you will be challenged for additional authentication information known only by you. Two challenge options are used: security codes and security questions. Depending on the option your financial institution chooses, you will be sent a security code when you are challenged or presented with security questions that you have selected and answered in the past. With either option, you must answer the challenge correctly to be authenticated and allowed access to the system.
Q. How does Enhanced Login Security work?
The system will give you the opportunity to enroll each computer that you use for online banking. Once you have added the extra login security to your computer, you will see no difference to the login functionality. However, if you login from a different computer than the one you have enrolled, you will be presented with the challenge in order to login.
We recommend that you only enroll computer browsers that are secure and can only be accessed by authorized individuals. For example: you would not want to enroll a computer browser that was located within a public area, or used by many people. Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.
Q. What does it mean to enroll my computer?
When you enroll your computer for this service, you allow the system to place a code, called a cookie, on your computer. The cookie contains a unique identifier that is used in combination with your login identification. At every subsequent login attempt after enrollment, the system will look for this cookie and validate that it matches the login identification that you entered. This cookie is used by the system only to validate your computer’s identity and does not contain any personal information.
Q. Must I enroll a computer I do not use regularly?
No. However, you must answer the security challenge correctly to be authenticated and allowed access to the system. We recommend that you do not enroll public computers when the system presents the opportunity.
Q. What should I do if I want to unenroll a computer that I have previously enrolled?
If you discontinue using a specific computer to access the system, we suggest that you unenroll that computer from this service. This can be done by logging into your account from the computer that you want to unenroll and selecting the unenroll this computer button on the Enhanced Login Security screen. This will remove the secure cookie from that browser. If an attempt is made to login to the system with the unenrolled computer, a challenge will be presented before access is granted.
Q. Can I unenroll a computer from a different computer?
Yes, however you will have to unenroll all of your computers. This can be done by accessing the Enhanced Login Security screen to unenroll all of your computer(s).
Q. Can I login from multiple computers and browsers?
Yes. You can login from as many different computers and browsers as you like. However, if you login from a computer that the system does not recognize, you will be challenged for further authentication and will be given the opportunity to enroll that computer.
Note: If you use multiple browsers on the same computer you will need to enroll each browser separately.
Q. Why do I keep getting challenged when I login from a computer browser that I have already enrolled?
This is probably happening because the cookie that we placed within your browser is being deleted. We recommend that you do not delete these cookies if you do not want to be challenged at each login.
Q. I share my computer with someone that also uses business banking. Can both of us still login from the same computer browser?
Yes. You can use the same computer to login since the “cookies” placed on the computer are specific to each user ID.
Q. What is a security code?
A security code is a temporary code provided by the system that is unique to you and is used in the process to authenticate your identity.
Note: A security code may not accompany your security questions. Please contact your financial institution if you have any questions.
Q. When will I receive a security code?
If the Security Code feature is enabled by your financial institution, you will receive a security code each time your Company Id, Company Password, User Id and User Password has been successfully authenticated from a computer that is not recognized.
You may also receive a security code by clicking on the word here in the phrase ‘click here to request a new Security Code’ when it is presented during the authentication process.
Also, if the change questions button is enabled by your financial institution and is clicked, you will receive a new security code.
Q. Will my security code expire?
Yes. Your security code will expire if your session times out or within 30 minutes, whichever is less. The expired security code entry will count as a bad login attempt.
Q. Can I reuse a security code?
No. Each security code is unique and valid for a single use only. If a security code has been used previously, a new security code must be generated and entered to gain access to the system.
Q. Will I be required to provide a security code the first time I am challenged?
No. You will be allow to bypass the process a certain number of times by clicking on the remind me later button, as long as you don’t exceed the number of bypass logins permitted by your financial institution. If you exceed the number of bypass logins allowed, you will be required to provide a security code to access the system.
Q. Can I still login to the online system from anywhere?
Yes. This service does not prevent you from logging in from any computer. If we do not recognize the computer that you are using then you will be challenged for a security code before being allowed access.
Q. How many times will I be allowed to bypass the process of providing a security code?
The number of bypass logins you will be allowed to access the business banking system is defined by your financial institution. Please contact your financial institution for assistance.
Q. What are security questions?
The Security Question feature is an authentication feature based on predefined questions, a certain number of which are answered by you in advance. Therefore, answers should contain information known only to you, and correctly answering the questions presented by the system will authenticate your identity.
Q. How do I setup security questions?
If the Security Question feature is enabled by your financial institution, the system will ask you to select and answer five questions, during the setup process when you first access the system. The system will store your questions and answer combinations for use if it becomes necessary to authenticate your identity during a login attempt.
Q. Do I need to setup all five security questions?
Yes. You must select and answer five questions, carefully following the setup instructions presented on the computer screen during the process.
Q. How will I be challenged and what do I do when I am challenged?
Each time you login on a computer the system does not recognize, you will be challenged with two questions, randomly selected by the system from the five security questions that you answered during setup. You will be given a series of instructions and presented with options by the system. Correctly answering the questions and completing the process will authenticate you as a valid user and permit access to the system.
Q. Can I still login to the online system from anywhere?
Yes. This service does not prevent you from logging in from any computer. If we do not recognize the computer that you are using then you will be challenged for a Security Code before being allowed access