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We take our obligation to
protect your online security seriously. If we
detect an unusual request involving your account, you will be asked to
answer a few challenge questions, or you may receive an automated phone
call to verify your identity.
What is this security
system?
As a member we know how you typically behave, when and from where you
access internet banking. If we detect any activity that does not seem
like your typical behavior, we will prompt you to further verify your
identity—so that we can ensure it is you and not someone else trying to
access your information. For example, if someone tries to
sign in with your user name and password from a computer in a foreign
country shortly after you have logged off from your normal computer at
home, we may decide to verify that it is really you trying to access your
account. You may also be
asked to answer an automated phone call.
What is unusual or uncharacteristic
behavior?
Uncharacteristic or unusual behavior is anything that appears
out-of-the-ordinary compared to how you normally would bank online and
where you normally bank online. If the action being requested does not
appear to be something you would normally do, we will ask you for more
information to make sure it is really you and not an unauthorized user.
How are you able to detect unusual or
uncharacteristic behavior?
The security system takes into account factors such as the computers you
typically use to access your account, or the typical security settings for
your computer. Hundreds of factors, such as these, create a profile that
is unique to you that allows us to make decisions about whether the person
conducting a given activity appears to be really you.
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How will my phone numbers be used?
If any unusual or uncharacteristic behavior is detected you may be asked
to answer an automated phone call. Once you answer the phone call you will
be prompted to enter the code that will appear on your computer screen at
that time in order to verify your identity. Your phone numbers will not be
sold to a third party, nor will they be used to contact you about offers
and promotions.
How many phone numbers should I provide?
You must provide at least one phone number but are encouraged to provide
up to three. In case we need to verify your identity, you may receive an
automated phone call at one of the numbers you have provided. It is
important to provide numbers where you can be reached when you are banking
online. For instance, if you bank online at work you should provide your
work or cell phone number so you can be reached there. This will ensure
you can continue your online banking session without any inconvenience.
What if I need to change my phone number?
If you need to change your phone number, please contact customer service.
You may also be occasionally asked to verify that your information is up
to date during your online banking session.
What if I can not be contacted at any of the phone numbers listed?
If you cannot be contacted at any of the phone numbers listed, please
contact customer service.
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