We Have a New "Security Blanket" for You!

We have enhanced the security that is protecting your identity...money...accounts...and online transactions with two state-of-the-art multifactor authentication features.

The Ugly Truth

Predators often commit theft by exploiting single-factor authentication which uses one piece of information - such as a password - to validate identity. In response, regulators require all financial institutions to implement multifactor authentication which requires multiple pieces of information to validate identity.

Business as Ususal...or Unusual

Our multifactor authenticatication solution will automatically monitor your accounts for activity that is "unusual" based on your history with our bank. In the rare event that unusual activity is detected, you will be automatically asked to verify your identity by answering pre-selected security or challenge questions that only you should know the answers.

Seeing is Believing

Our multifactor authentication solution also will deter fraud related to "Pharming" by providing ongoing verification that you are connected to our online banking website rather than a fraudulent copycat site by automatically displaying an image that you will select each time you logon.

What's Next

These subtle but important changes to our online banking site have been implemented and require you to complete two simple steps. You will be prompted to select specific challenge questions from a list and to enter personalized answers that only you should know, and to select a specific picture from a gallery of memorable images. If you would like to know more about our online banking capabilities or the conveniences available with our online services, please contact us during normal business hours at 904.281.1900.

If you would like to know more about what you can do to vigilantly protect your personal information and identity...please visit the Federal Trade Commission's identity theft website at www.consumer.gov/idtheft or the FDIC's Consumer Resources web page at www.fdic.gov/quicklinks/consumers.html

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