Since 2008 your online account is 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.
After you log in with you User ID, you’ll enter a word or phrase (known as your confidence word) that will be displayed when you login.
The confidence word 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 confidence word you selected.
If the confidence word shown to you is correct, you’ll continue with the login and enter your password and email address.
This is your assurance that you are logging into the legitimate TBFCU home banking web site, since no one else knows your confidence word – 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 by clicking “Remember me on this computer”.
Once you successfully answer the question, we’ll show you your confidence word.
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 secure login.