Online Banking Authentication
What is Increased Authentication? Increased Authentication is an additional layer of security to help prevent phishing...
What is Increased Authentication? Increased Authentication is an additional layer of security to help prevent phishing scams for the online banking login process. Phishing is the act of attempting to acquire information such as usernames, passwords, and credit card details (and sometimes, indirectly, money) by masquerading as a trustworthy entity in an electronic communication. Increased Authentication requires the user to select an image, a security phrase and 3 security questions. This ensures that you are truly on the FirstOntario Online Banking website. During the enrolment process, you will: •
Pick an image from a collection of images.
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Type a security caption.
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Select 3 challenge questions.
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Register the computer (optional) – makes this computer a ‘trusted’ computer.
What are the benefits? We are committed in our efforts to safeguard Members from fraud and online crime, and there are many benefits to Increased Authentication, including; •
Providing an additional layer of security to prevent online phishing scams.
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Proactively protecting you against financial fraud.
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Verifying your identity, making it harder for an online thief to gain access to your account.
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Setting-up your home computer to identify itself to the banking system, making it nearly impossible for anyone other than you to access your information.
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Use of authentication pictures and phrases that “phishing” or mimic sites will not have.
How to Enrol 1) Online Banking Login PersonalAccess Code (PAC) is not required until next page. If you click on “Find out more” you will be presented with a screen describing Increased Authentication and how it works.
2) Increased Authentication Enrolment Login will default to set up authentication. The next screen will indicate how many more days are left, before it will be required to set up Increased Authentication.
3) Select a Security Image • Select a security image and key in a written phrase. • This phrase is not case sensitive. • The phrase can only contain numbers, letters and/or spaces. • The security image and phrase will be shown each time you log in to online banking.
• From the drop down list, choose an image category. Browse images and select a security image and caption.
4) Set up Security Questions • Select 3 security questions and key in the answers. • These questions will rotate when logging in from a computer that has not been registered. • Questions provided are suitable for single Memberships, joint and business Memberships.
5) Confirm Image and Security Questions • Double check all information entered to ensure it is correct.
6) Computer Registration • If you check the “register this computer” checkbox, a cookie is placed on your computer (browser) for identification purposes and marked as a “trusted” computer. Only register if you are the owner of the computer or it’s sole user.
7) Logging In From a Registered Computer
• You will see your security image/phrase and will not be prompted with any security questions. • If you do not see your selected security image, you should not log in and should contact your branch or the Member Contact Center. • If logging in from a non-registered computer you will simply be required to answer one of your three security questions and enter your Access Code (PAC).
Increased Authentication FrequentlyAsked Questions What if I have multiple Debit Cards? • Each Increased Authentication enrolment is tied to one debit card. If you have multiple cards, you must register with each card. If your debit card changes (eg. you lose your card), you must re-register for Increased Authentication with the new PAN (last 13 digits of your debit card). Are answers to the security questions case sensitive? • No, answers to the Increased Authentication security questions are not case sensitive. What is my PAC? • Your PAC “Personal Access Code” is the password you have been using to sign into online banking. What if I do not see the correct security image and phrase or I see an incorrect security image, but a correct security phrase? • We recommend that you clear your browser’s cache each time you log out of and finish your online banking session, and re-launch a new browser to start the session again. Why would I get locked out of online banking? • You could be locked out of online banking if you fail to answer the security question correctly 3 consecutive times. What happens if I don’t enrol in Increased Authentication by September 16? • You will no longer have a choice to skip the enrolment process, as with any new online users. Increased Authentication will become mandatory and you will not be able to login to online banking.
