ENHANCED LOGIN SECURITY
Introducing new Enhanced Login Security, a free and easy way to help prevent fraud. Soon you will be prompted to take steps to make your financial transactions more secure online
Your online security has always been a top priority. Soon, we’ll be upgrading your online banking experience with a new security service to further help protect you from identity theft. Keeping your accounts secure is a big priority for the Federal Government, and for us. In fact, Federal Financial Institutions Examination Council (FFIEC), the regulators overseeing banks and credit unions, regulations require that all financial institutions add “multi-factor authentication” to their online services by year end. These regulations state that passwords alone will no longer be acceptable as the sole means of achieving online security.
Meet Enhanced Login Security
This superior security technology protects your accounts from unauthorized access. It identifies you as the true “owner” of your accounts by recognizing not only your password but your computer as well. If we don’t recognize your computer – you’ve logged in from a public computer or one you haven’t used before – we’ll ask you for information that only you will know as an additional line of defense to prevent unauthorized access. With Enhanced Login Security, you’ll be protected from whatever computer you're using, whether you're at home or on the go.
Enhanced login security will:
- Defend against identity theft and fraud.
- Provide security from any computer, wherever you are.
- Make it easy for you to bank online anytime, anywhere.
Just one more way to ensure online fraud prevention, everyday and everywhere!
How will It Work?
Beginning September 28, 2006, upon logging into eBranch, if you have not previously enrolled in our Forgotten Password Feature you will be asked to select and answer three Challenge Questions. This feature was previously optional, but is now required. If you have already enrolled in the Forgotten Password Feature, but you cannot remember your Challenge Questions, see our Challenge Questions Setup section below.
After you have logged in, you will be presented with a prompt asking if you would like to enroll in
Enhanced Login Security. Currently Enhanced Login Security is optional, but later on it will be required.
TIC encourages all members to enroll in this new security feature by selecting 'Yes' and clicking 'Continue'. After clicking 'Continue' you will be taken to the Enhanced Login Security page. On this page you will see two selections: Add Extra Security to this Computer and Remove Extra Security from this Computer.
When you enroll a computer with Enhanced Login Security the following takes place:
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The first computer you enroll, enrolls your member number into the Enhanced Login Security program.
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You are enrolling that computer with the member number you are currently logged in with.
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You are enrolling the Internet browser (i.e. Internet Explorer, Netscape, or AOL) you are using currently.
Once your member number is enrolled in the Enhanced Login Security program, everytime you access eBranch from a computer that is not enrolled, you will be prompted to answer the three Challenge Questions that you selected.
Enroll a Computer/Browser
To enroll a computer/browser follow these steps:
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Select 'Yes' and click on 'Continue' on the Enhanced Login Security prompt screen, or go to User Options → Enhanced Login Security.
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On the Enhanced Login Security screen, select Add Extra Security to this Computer (default), and click 'Submit'.
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On the popup wiindow, click 'OK'. The MFA feature puts a cookie in your browser. For more information about the Enhanced Login Security cookie, see our Frequently Asked Questions below.
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A success screen displays.
Un-enroll a Computer/Browser
To un-enroll a computer/browser follow these steps:
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Go to User Options → Enhanced Login Security.
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On the Enhanced Login Security screen, select Remove Extra Security from this Computer, and click 'Submit'.
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On the popup wiindow, click 'OK'. The MFA feature puts a removes the cookie from your browser.
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A success screen displays.
Using Temporary Access
After you have enrolled in Enhanced Login Security, everytime you log into eBranch from an unenrolled computer, you will be prompted to answer your three Challenge Questions. After you enter your member number and password and click 'Submit', the screen qill display with the three questions you selected. Simply answer these questions in the boxes provided and click 'Continue'. You will then be taken into 'eBranch'
If this is a computer that you use often, and you would like to enroll this computer so that you are not asked your Challenge Questions, see the Enroll and Computer/Browser section above.
Challenge Questions Setup
If you have forgotten the questions and answers to your Challenge Questions, you can change them by going to User Options → Challenge Questions Setup. These questions and answers should be changed immediately the first time you enroll in Enhanced Login Security if you have forgotten them. If you have forgotten your Challenge Questions and answers, you will not be able to sign into eBranch from an un-enrolled computer.
Once you have accessed the Challenge Questions Setup screen, select three questions from the drop down boxes and type your answers to these questions on the boxes provided, verify your email address, and click 'Continue'. The screen will confirm these changes.
Enhanced Login Security Demo
To view a demo about Enhanced Login Security, click here.
Frequently Asked Questions
Q. I keep getting this prompt for something called Enhanced Login Security – what is this?
A: This is a new feature we are offering to help improve the security of your eBranch and Bill Pay account. It will help prevent unauthorized access to your account. Once you’ve enrolled your computer, you won’t even know it’s there! To enroll in Enhanced Login Security, view the Enroll and Computer/Browser section above.
Q: I’m trying to get into my Internet Banking account and there’s this screen asking for an answer to a challenge question. Why?
A: Are you at a different computer than you usually use?
→ You will need to access eBranch using your Temporary Access information, and then enroll that computer if it’s one you will be using regularly.
A: Are you using a different browser than you usually use?
→ You will need to access eBranch using your Temporary Access information, and then enroll that computer if it’s one you will be using regularly.
A: Have you recently deleted all your cookies?
→ You’ve also deleted the cookie that our security feature uses to recognize you. You will need to access eBranch using your Temporary Access information, and then enroll that computer if it’s one you will be using regularly.
Q: I often use a computer at the library to check my online banking account. Should I go ahead and enroll that computer so I don’t have to answer the challenge question each time?
A: We recommend that you do not enroll a public computer. It is better to continue to answer the challenge question.
Q: I’ve gotten into my Internet Banking account from another computer, and it’s not asking me for my challenge question(s) as I expected. Why?
A: Have we reset your password since the last time you logged in?
→ Resetting your password also unenrolls you from the Enhanced Login Security feature. To enroll in Enhanced Login Security, view the Enroll and Computer/Browser section above.
Q: How will this affect me if I use WebConnect to download my transactions into Quicken or Money?
A: You will still be able to download your transactions into Quicken or Money just as you are doing now.
→ If you use the computer and browser you enrolled for Enhanced Login Security you will login into eBranch and download your transactions the same way.
→ If you are using Quicken or Money's internal browser you will be prompted to answer your Challenge Questions. After you have successfully accessed eBranch, you can enroll Quicken or Money's internal browser by following the procedures to Enroll a Computer/Browser.
Q: What is a "cookie"?
A: A small text file placed on your hard drive by a web site to record information about you. In this case, it tells eBranch that your computer is registered as an authorized computer.
Q:What if my Anti-Virus software and/or Spyware software scans and deletes cookies?
A: The cookie used for Enhanced Login Security has been tested with several anti-virus and spyware utilities. This cookie has been developed as a non-intrusive cookie, meaning that most anti-virus and spyware utilities, do not see this cookie as a threat. If your anti-virus or spyware utility deletes this cookie, you will need to set your utility to allow this cookie.
→ You will need to access eBranch using your Temporary Access information, and then enroll that computer if it’s one you will be using regularly.
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