Starting October 1st, 2008, your online account will be protected with a higher
level of security. The Online Access Home Banking security enhancements
will better protect you against online theft and fraud, provide you
with more peace of mind when banking online, and will help minimize the
risk of falling victim to a “spoofed” web site.
How It Will Work
You will complete a simple, one-time enrollment process the first time you log into the enhanced system.
You’ll select a picture from an online library of images;
the image will be displayed to you on future Online Access logins. The
image is known only to you and the credit union.
You’ll enter a word or phrase that will be displayed along
with your image when you login. The text phrase is known only to you
and the credit union.
You’ll select three “Challenge Questions” and provide the answers to the questions.
Logging into Online Access
After enrollment, when you log into Online Access you’ll enter
your User ID. Then, we’ll show you the picture and text phrase
you selected. If the image and phrase shown to you are correct,
you’ll continue with the login and enter your password. This is
your assurance that you are logging into the legitimate TBFCU home
banking web site, since no one else knows your image and text phrase
– only you and us.
Challenge questions will only be displayed if you log into Online
Access from a different computer than you used when you enrolled. If we
don’t recognize the computer, we will double check that it is
really you. This is another layer of security designed to protect your
account from unauthorized access if your account information is stolen,
and help us identify you when you are logging into Online Access from
an unknown computer. You’ll have the opportunity to
“register” computers you regularly use to access your
online account. Once you successfully answer the question, we’ll
show you your picture and phrase.
This enhanced security will not require you to have any additional
hardware or software for your computer. All of the identification and
validation takes place behind the scenes – creating a silent but
The protection of your financial information and the security of your
online transactions are very important to us. We will continue to
update you as we get closer to implementation.