Online Banking Security FAQs

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Frequently Asked Questions

1. What is this new Online Security Feature?
2. Why do I need the new Online Security Feature?
3. How does the new Online Security Feature work?
4. Has my password changed?
5. Does the new Online Security Feature use cookies?
6. What is a cookie?
7. How is the new Online Security Feature more secure?
8. What if someone steals my Password? How will the new Online Security Feature prevent them from accessing my account?
9. Why do I need to set up challenge questions?
10. What keeps somebody from stealing my Online Security Feature image and pass phrase?
11. When I enter my Access ID, it asks me a question instead of showing my Online Security Feature image. Why?
12. How do I know I’m at the genuine Online Banking site?
13. How do you know that I’m signing in from my own computer?
14. Can I access Online Banking from multiple computers?
15. I share my computer with someone who also uses Online Banking. Can both of us sign in from this computer?
16. Can I change my Online Security Feature image, pass phrase and challenge questions?
17. Is there a fee for using the Online Security Feature service?
18. How do I sign up for the Online Security Feature?

1. What is the new Online Security Feature?

The new Online Security Feature is now a standard part of your www.1stStateBank.com log in routine. First State Bank is always working to protect against identity theft and fraud. The new Online Security Feature will add to this protection by preventing unauthorized access to your accounts while reassuring that you’re at the valid First State Bank website. The new Online Security Feature consists of three parts: an image, pass phrase and three challenge questions that are secrets between you and First State Bank. All three parts help protect you, whether you’re signing in to Online Banking from your own computer or from somewhere else (such as work or a public computer lab).

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2. Why do I need the new Online Security Feature?

The new Online Security Feature helps to ensure your information is secure by protection you from fraud and identity theft in two ways. First, it helps you recognize that you’re at the valid Online Bank site at First State Bank, rather than a fraudulent look-alike site. Secondly, you can trust that we also recognize you as the true owner of your account because the new Online Security Feature helps us verify your identity with your chosen image and pass phrase. We’ll ask you one of your challenge questions if we don’t recognize your computer as an additional line of defense against unauthorized access to your accounts.

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3. How does the new Online Security Feature work?

The new Online Security Feature is made up of three parts: an image, a pass phrase, and three challenge questions no one else knows. When you’re at your own computer, enter your Access ID and then click on the Submit button. We’ll show your Online Security Feature image and pass phrase, which verifies that you’re at the valid Online Banking site at First State Bank. Now you know it’s safe to enter your Password. When you’re signing in from a different computer, we ask one of your challenge questions to verify your identity. The secret Online Security Feature pass phrase and image will appear after you answer correctly. You know it’s safe to enter your Password and log in; and we know that it’s really you.

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4. Has my password changed?

No. The Online Security Feature image, pass phrase and three challenge questions and answers you provide are separate from your regular Online Banking log in Password.

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5. Does the new Online Security Feature use cookies?

One of the ways we recognize you is by placing a cookie on your computer when you sign up for our Online Security Feature service. When you sign in after that, your Web browser sends us this cookie, which lets us know that you’re using your own computer. The cookie is visible only to the Online Banking site at the First State Bank and does not contain any personal information.

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6. What is a cookie?

A cookie is a piece of securely-coded information sent by First State Bank to your computer when you sign up for our Online Security Feature service. Cookies include a randomly generated, unique number used as a sign in or registration identifier. Every time you log in from that same computer, your Web browser then sends us back this cookie, which is a security feature that lets us know that you’re using your own computer.

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7. How is the new Online Security Feature more secure?

The new Online Security Feature helps you know that you are at the valid Online Bank site at First State Bank before you enter your Password. Plus, we know it’s really you signing in because we recognize your computer or we ask you a challenge question to verify your identity.

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8. What if someone steals my Password? How will the new Online Security Feature prevent them from accessing my account?

When an unauthorized person tries to sign in from another computer, we will recognize that they’re using a different computer, and so we’ll ask one of your challenge questions. They won’t know the answer and will be unable to log in to your account.

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9. Why do I need to set up challenge questions?

Challenge questions help prevent unauthorized people from getting access to your Online Banking information. That way, even if they’ve stolen your Access ID and Password, they won’t know the answer to the secret question. And if someone signs in from a computer that we don’t recognize (for example, if you sign in from a public library), we’ll ask you a challenge question to verify that it’s really you.

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10. What keeps somebody from stealing my Online Security Feature image and pass phrase?

After you click on the Submit button, we only show your Online Security Feature image and pass phrase automatically if you sign in from a computer we recognize as your computer. If you’re at a different computer, we ask one of your challenge questions before the showing image.

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11. When I enter my Access ID, it asks me a question instead of showing my Online Security Feature image. Why?

This is to help verify that it's really you signing in. We ask a challenge question when you sign in from a computer we don’t recognize. Your correct answer confirms that it’s really you.

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12. How do I know I’m at the genuine Online Banking site?

The new Online Security Feature will help your figure that out. Type the correct address (http://www.1ststatebank.com/) into your Web browser. When you arrive at the site and enter your Access ID, click on the Submit button, and your secret Online Security Feature image and pass phrase will appear. That’s confirmation that you’re at the bank’s legitimate Web Site. If you do not see your secret image and pass phrase, and are not asked your secret challenge question, do not enter your Password. Since this may represent a fraudulent website, please report this immediately to us at 1stStateBank@1stStateBank.com.

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13. How do you know that I’m signing in from my own computer?

When you sign up for the new Online Security Feature service, we put a secure cookie on your computer. This cookie contains a randomly generate, unique number used as an identifier. When you sign in after that, your Web browser sends us this cookie, which lets us know that you’re using your own computer. The cookie is visible only to the Online Banking site at First State Bank and does not contain any personal information.

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14. Can I access Online Banking from multiple computers?

Yes, you can access Online Banking from any number of computers and have the same Online Security Feature protections. If you sign in from a computer that you haven’t used for online banking before, you just need to answer one of your challenge questions to verify your identity. Once you answer the question correctly, we will ask you if you would like us to recognize that computer in the future. If you answer yes, you will not need to answer a challenge question in the future.

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15. I share my computer with someone who also uses Online Banking. Can both of us sign in from this computer?

Yes. You can both use the same computer to sign in to your individual Online Banking account safely; you won’t see each other’s information. There’s no limit to how many people can sign in to Online Banking at First State Bank from the same computer. Just remember not to share your Access ID, Password or answers to your challenge questions.

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16. Can I change my Online Security Feature image, pass phrase and challenge questions?

Yes, you can change your Online Security Feature image, pass phrase and challenge questions at any time. We will never ask you to change your Online Security Feature information and we will never change it for you. To make the change, sign in to Online Banking and go to the Options tab at the tope of the page. Then click Change Security Data.

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17. Is there a fee for using the Online Security Feature service?

The Online Security Feature is free. It’s just part of our ongoing commitment to safeguard your privacy and security.

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18. How do I sign up for the Online Security Feature?

 

Signing up for and using the Online Security Feature is quick and easy. There are two ways of signing up for the Online Security Feature. You can sign up at the time you enroll in Online Banking or if you are already enrolled the next time you sign in you will automatically be prompted to set up your Online Security Feature image, pass phrase and three challenge questions.

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