Printable Instructions

Now here, your online account is protected with a higher level of security. The Online Banking security enhancement better protects you against online theft and fraud, provides you with more peace of mind when banking online, and helps minimize the risk of falling victim to a "spoofed" web site. This new security is called "PassMark."

How It Works
Users of Online Banking have always been required to authenticate themselves to gain access by entering a User ID and PIN/Password. Now, Online Banking will reciprocate and will also authenticate itself to you. This authentication is referred to as "PassMark." PassMark offers a simple countermeasure against phishing scams and other forms of identity fraud.

When you visit one of our branches, you know our faces and we know yours. PassMark does the same thing over the Internet. It is a new method to identify us to you and you to us. When you log into Online Banking and enroll in PassMark, you will select an image from an online library and a short text phrase known only to you. When you log in we'll show you your image and text phrase so you can rest asured that you are accessing our real online site and not an imposter site.

Challenge Questions
Challenge questions will only be displayed if you log into Online Banking 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 by asking you a question that you selected during enrollment. This is another layer of security designed to protect your online account from unauthorized access if your account information is stolen, and help us identify you when you are logging into Online Banking 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 image and phrase. You may want to share your challenge questions and answers with people who you have authorized to log into your online account (i.e. spouse, parent, joint owner/member, etc).

No Additional Software Necessary
This enhanced security does 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.

The instructions below will help you complete your enrollment process in the coming months.

• First, select a picture from an online library that will be displayed each time you log in. Your picture is known only to you.

• Second, create a phrase that will be shown with your picture.

• Third, select three challenge questions and provide answers to these questions. Challenge questions will only be displayed if you log in from a different computer than the one you used to enroll.