Introducing SecurePic

In today's online environment, you need to be sure you know who you're dealing with. We want our internet banking customers to be reassured each time they log in that they are on the official Bank Independent website. You won't have to worry about being secretly redirected (pharmed) to an illegal page. And we will know that you are who you say you are before we display your account information.

Here's how it works:

Know Us - The Pictures. When you enter your user ID, we will display a picture and a pass phrase that you will choose during enrollment. If you don't see a picture or you see the wrong picture, you will know you are not on our site. If the picture and pass phrase are correct, you will know you're in the right place. At this point, you will enter your password.

Know You - Familiar Computer or Questions. You know you're in the right place now, but how do we know who you are? IDs and passwords are good, but we now have a new layer of security. During enrollment to SecurePic, you will choose to mark your PC as either personal or public. We will remember computers marked as personal and send you straight to your account information after verifying your password. When using a public computer, we will ask you a simple challenge question that you will choose during enrollment. Answer correctly and you're on your way.

ENROLL

STEP 1	Starting on our home page, enter your Login ID. Click Login. You will be taken to a page where you will enter your password.
STEP 2	Enter your Login password. Click Submit. You will now be taken to a page where you can set your security data.
STEP 3	If you have previously given your email address to the bank, it will be displayed. Verify that the address is correct (if it is incorrect, please contact Customer Service at your convenience). If we do not have your email address on file, you will be asked to enter it twice.
STEP 4	You will be shown a randomly chosen picture. Once enrolled, you will be able to choose a different picture if you wish. Enter a Pass Phrase underneath the picture. Your phrase can be anything that you will remember.
STEP 5	Select 3 Challenge Questions and provide your answers for each. These will be presented to you when logging on to a 'public' computer.
STEP 6	Select one of the two options for the computer you are using:
	This is a Personal Computer. Register It - Choose this option if you are using a private computer on which you will repeatedly do your internet banking.
	This is a Public Computer. Do Not Register It - When you need to log on from a computer that you don't normally use, maybe at a library or internet cafe, you should choose the public setting.
STEP 7	Click Submit.

 
SELECT A NEW PICTURE

STEP 1	Login to internet banking
STEP 2	Click on Options, Change Security Data. You will be taken to a page where you can change your picture, pass phrase, and challenge questions.
STEP 3	Click on Change Image underneath the current picture. You will be taken to a page that displays 8 pictures at a time.
STEP 4	To see more images, click the More Images button.
STEP 5	To save an image you think you might like and also view more images, check the Remember Image box underneath the picture you want to keep and click the More Images button.
STEP 6	When you decide on a new picture, click on the picture to select it.
STEP 7	You will be taken back to the Change Security Data screen. Click Submit
STEP 8	You will be taken back to the Account Summary screen and it will let you know that your security settings have been changed.

If you have any questions, contact Customer Service at (256)386-5000 or toll free at 1-877-865-5050.