Individualized User Names and Passwords
When you sign up for Internet Banking, we allow you to select your own user name – we strongly recommend
that you do not use your Social Security Number, Account Number or PIN. The Bank will complete your request
and assign you an initial password. The first time you log into our system you will be prompted to change the
password to something only you will know. We do not see or have access to this information. We recommend
that you create a password consisting of between eight and fifteen characters that utilizes both upper and
lower case alpha, numeric characters. Your password should not be associated with any commonly known
personal identification, such as social security numbers, address, date of birth, names of children, and should
be memorized rather than written down. Additionally, for security purposes your password will expire every
365 days. At this time the system will prompt you to choose a new password.
Also during your initial log in you are required to select and answer security questions. This is for dual
authentication purposes in case our Online Security system ever suspects a possible fraudulent login. Since our
system is an adaptive technology, it will build a profile of your usage as you log in. Then if it sees anything
out of the ordinary (i.e. you are away on vacation and signing in using a different computer) it will randomly
select three security questions for you to answer. This process will allow us to verify your identity and
proceed with logging in. Additionally, the system will periodically ask you to update or change your security
questions. This feature will allow you to keep your verification information current.
Our Internet Banking system will automatically sign you off after 13 minutes of inactivity. This feature will reduce
the risk of anyone else accessing your information from an unattended computer.
We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all communications including transactions and use
of the Internet Banking mailbox feature within the system. This is currently the highest level of security
available for Internet transactions.