FAQ’s - HFS Enhanced Login
Security
1. Why does my account
need Enhanced Security?
2. What is Phishing?
3. How will
Enhanced Security protect me?
4. Do I have to enroll
in Enhanced Security from each computer I use?
5. I
share this computer with family or friends. Should they know my secret
image and secret phrase?
6. Will Enhanced Security
protect me on sites other than my credit union site?
7.
After I complete the mandatory enrollment process, what if
I don't see my security image and phrase during login?
8.
What happens if I delete my browser's cookies?
9.
Why did I get challenged and have to answer a security
question?
10. I can't remember the answer to my
security question, what do I do?
11. I still have
questions. What should I do?
Why does my account need Enhanced Security?
Many of us remember a time when we could safely leave our doors unlocked
without fear of intrusion or theft, but that time has passed. In much
the same way, security measures that were once sufficient to protect
your account may no longer be adequate. Identity theft is now the
fastest growing crime in the nation, and Internet criminals continually
develop new techniques (such as phishing) to steal your personal
information and gain access to your accounts. To protect you from this
sophisticated new generation of Internet criminals, we have developed an
extra layer of security to safeguard your account information Online.
What is phishing?
Phishing is a fast-growing Internet crime in which attackers “phish”
(think fish) for your personal information. They “bait the hook” by
building a “fake” page that looks like your credit union’s login page.
They hope you will “take the bait”, believe it is a valid page, and
enter your login information. They can then record it and use it to
access your account.
How will Enhanced Security
protect me?
During the enrollment process (a one-time process that will require less
than 10 minutes of your time) you will select a secret security image
and create a secret security phrase. The image and phrase you choose
will form your unique Enhanced Security combination, and will be
displayed during future logins. When you see them, you will know you
have accessed our valid web site. This will help protect you from
unwittingly revealing your User ID and Password to “phishers.” If you do
not see your image and phrase, do not enter your password. Contact the
credit union immediately.
You will also select and answer three security questions during
enrollment. During future logins, if we are unable to recognize the
computer from which the login attempt is made, or if the login seems to
be unusual in any way (for example, if it occurs at a time of day that
is not historically typical for your account) you will be required to
answer a security question before login can continue. This will help to
safeguard your account against login attempts by unauthorized parties.
Do I have to enroll in Enhanced
Security from each computer I use?
No. Enrollment is a one-time process. But you can choose to register
each private computer you intend to use to access your account. We are
able to “recognize” registered computers more easily and accurately than
un-registered computers. The registration process is quick, easy, and
requires just a few clicks of the mouse.
We strongly recommend that you do not register a public computer (a
computer housed at the library, etc.) If online account access is
available to you only through an un-registered public computer, you may
still access your account safely. During enrollment, you will select and
answer three security questions. When you attempt to login from an
unregistered public computer, you may be required to answer a security
question in order to move through the login process.
I share this computer with
family or friends. Should they know my secret image and secret phrase?
If they are your financial partners, and you want them to have access to
your account, they should know the security image and phrase. We
recommend you complete the enrollment process and answer the security
questions together.
If others use the same computer to access their personal account
information, you do not need to share your secret image and secret
phrase with them. They will be able to log into their personal account
from the shared computer and complete the enrollment independently. They
will select their own secret image and phrase.
Will Enhanced Security protect
me on sites other than my credit union site?
No. These Enhanced Security measures apply only to your credit union
account with us.
After I complete the mandatory
enrollment process, what if I don't see my security image and phrase
during login?
Once you complete the enrollment process, you should always see your
security image and phrase when loging into your account. If you do not
see your image and phrase, IMMEDIATELY DISCONTINUE LOGIN AND CONTACT US.
What happens if I delete my Web browser’s cookies?
Deleting cookies will make it more difficult to verify your identity
when logging into your account information. If we are unable to
“recognize” your computer, you may be required to answer a security
question in order to move through the login process.
Why did I get challenged and have to answer a security question?
There are many reasons why you could potentially get challenged during
login. If we are unable to recognize the computer from which the login
attempt is made, or if the login seems to be unusual in any way (for
example, if it occurs at a time of day that is not historically typical
for your account) you will be required to answer a security question
before login can continue. You may also get challenged if you close your
Web browser without properly logging out of the home banking site.
I can’t remember the answer to my security question, what do I do?
If you are challenged and cannot remember the answer to the security
question, contact us and we will re-set the system for you.
I still have questions. What should I do?
We are available to assist you throughout the enrollment process. Please
feel free to contact us with any questions.
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