Online Banking Security

Overview of Security

The Internet Banking login process includes several layers of security. This security is intended to prevent unauthorized access to your account, validate your identity, protect your account information from fraudulent use, and prevent the theft of your identity.

For support call (740) 732-5678.

Security Data

The following security information, which you set up during an initial login session, is used to protect your Internet Banking sessions:

Access ID - will give you the customer user id
Password - CS will give you a temporary password and you have to reset it once you log in for the first time.
Challenge questions - you choose questions to answer
Computer registration - I’m not sure what this is meaning?
Email address - Customer is required to have an email address.

Security Challenge

A security challenge occurs when your financial institution's online banking software randomly selects that login attempt to require you to answer a challenge questions. The purpose of the security challenge is to prevent unauthorized people from accessing your account information.

The challenge requires you to prove your identity either by correctly answering one or more of the challenge questions you selected when you set up the authentication security data.

Online Banking Screenshot

Online Banking Screenshot

 

Bill Pay in Online Banking

  • Online banking requires you to use an email account.

Protect access to this account at all times because it is used for communication from online banking.

  • If you elect to use online banking, you can then register for bill pay.
  • Once you register for bill pay, payees can be established.

Recipients receive the money in one of the two ways depending on the recipient's capability:

Paper check - These are cut and sent in advance of the scheduled day.
Electronic ACH - These funds are immediately transferred on the scheduled day.

  • For support call (740) 732-5678

What are the risks of using bill pay?

  • If you do not protect your computer or device in the manner described, a hacker could take over your machine.
  • After taking over your machine, they could watch you login into online banking. 
  • After learning your online banking credentials, they could add themselves as a payee in online banking and pay money out of your account into theirs.

Ways to protect yourself

  • Log into your account regularly and check your balances, activities, and payees.
  • Secure your device as described previously.
  • Monitor your emails diligently for notifications of changes to your online account and payees.

Billy Pay Screenshot

Bill Pay Screenshot