Online Banking

The 3rd Degree

You can feel more secure about your online banking experience – with The 3rd Degree.

The 3rd Degree is a security feature that works 24/7 to protect your Internet banking access. The 3rd Degree watches for uncharacteristic or unusual behavior involving your internet banking access. If anything out of the ordinary is detected, we will ask you to verify your identity. Most of the time you won’t notice that the security feature is even there...but we’ll still be giving you The 3rd Degree, protecting you around the clock.

While you’re banking online, expect to be prompted at some point to enter additional information. This will include choosing several security questions to which only you know the answers. Once this occurs, you have added a layer of protection to your internet banking access.

Read further for answers to the most frequently asked questions. Meanwhile, you can rest easy knowing we’re giving you The 3rd Degree.

FREQUENTLY ASKED QUESTIONS

What is this security system?

Because we're your bank, 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 a fraudster attempting to compromise your account. This will only happen on rare occasions. Normally you will not be asked for any additional 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.

When will I be asked for more information?

You will only be prompted to enter additional information when your sign on activity appears to be unusual or uncharacteristic of your typical behavior.

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 information, 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.

Will I be asked for more information all the time now?

No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.

How do I know it is working?

You only need to complete the set-up process once; afterwards the new security system will work automatically. That means you are being protected every moment — when you are online and more importantly when you are not.

Is my personal information safe?

Yes. In fact, your personal information is safer than ever before because we are making sure it is really you and not an unauthorized user trying to access your information.

How will this help prevent online fraud?

If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your information. If the user is not able to provide this information or be reached on the phone, the activity would be blocked. This added layer of security helps us protect your information.

I check my account very often, wouldn’t I know if something unusual showed up on my account?

It is great you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

I share my computer with someone who has their own account. Can both of us still log-in from this machine?

Yes, you can both use the same computer to log-in to your individual accounts. There is no limit on how many people can log-in into the website from the same computer.

I already have anti-virus and a personal firewall. Why do I need this?

We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against other kinds of threats such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.