Is there any special equipment that I need to access Bank Independent Online Banking?
What kind of browser do I need to have to use Online Banking?
What is encryption and how does it work?
What is 128-bit encryption?
What does “SSL” mean?
How do I know if my browser utilizes 128-bit encryption?
How do I know if my Online Banking session is encrypted?
What is a “cookie” and do I need one for Bank Independent Online Banking?
What happens if an unauthorized person uses my User ID and password?
What happens if I forget my Online Banking password?
Why do I need to establish security questions?
What do I need to do to set up my security questions?
Will I have to answer these questions each time I use Online Banking?
I already have virus protection, a personal firewall and run spyware detection software. Why do I need to have security questions?
What happens if I don’t log off of the Online Banking system?
What can I do to protect my account information while I’m online?
Is there any special equipment that I need to access Bank Independent Online Banking?To access Bank Independent Online Banking you will need a personal computer, tablet or other mobile device that has an established and secure connection to the internet through your choice of Internet Service Provider, plus a browser that is compatible with the Online Banking service.
What kind of browser do I need to have to use Online Banking?Online Banking supports Microsoft Internet Explorer, Opera, Safari and Firefox. The browser must support SSL 128-bit encryption. The current version plus two previous versions of these browsers may be used.
What is encryption and how does it work?Encryption turns meaningful words and phrases into coded language. Everything that you do during your Online Banking session becomes a string of unrecognizable numbers before entering the internet. Your account information will read as gibberish to everyone but you and our financial institution. All of your Online Banking sessions will be encrypted. We employ the strongest forms of encryption that are commercially available for use over the internet.
What is 128-bit encryption?A 128-bit encryption means that there are 2 128 possible keys that could fit into the lock that holds your account information, but only one that works for each Online Banking session. This level of encryption is so powerful that the US government lists this encryption as a federal munition—meaning browsers that offer it can only be used and downloaded by citizens and permanent residents of the United States and Canada.
What does “SSL” mean?SSL stands for “Secure Socket Layer.” This technology allows users to establish sessions with secure Internet sites, meaning they have minimal risk of external violation. Once inside the Online Banking site, our use of SSL technology keeps you and your account information secure.
How do I know if my browser utilizes 128-bit encryption?You can verify your browser encryption level by going to the Online Banking login page (the screen where you enter your password to complete log in) and selecting the “Test Browser” tab. You can also check your browser software. For example, in Internet Explorer, you can click on “Help” in your toolbar and then select “About Internet Explorer.”
How do I know if my Online Banking session is encrypted? You can determine if you are in a secure session by looking for the “secure” icons (usually in the shape of a padlock) in the status bar of your browser.
What is a “cookie” and do I need one for Bank Independent Online Banking?During each session in which you use Bank Independent Online Banking, the system will pass a “cookie” to your browser for the purpose of identifying you during that session. A “cookie” is security data that is given to an internet browser by a web server that is returned by the browser to the server on subsequent transmissions to identify the user and encryption information. When you log in to Bank Independent Online Banking, a “cookie” enables the bank to process multiple transactions during the same communication session without you having to provide your Online Banking User ID and password for each individual transaction. Whenever you log off of Online Banking, or whenever you remain logged in to Online Banking for ten consecutive minutes without actively using Online Banking to obtain account information or conduct a transaction, the same “cookie” is no longer accepted by the server and must be renewed through re-entry of your Online Banking password. A new “cookie” is used for each log-in session so no one may use the “cookie” to access your account without entering your unique password.
What happens if an unauthorized person uses my User ID and password?You must notify Customer Service immediately at (256) 386-5000 or (877) 865-5050 if you believe your User ID or password has been compromised or if an unauthorized transaction has occurred.
What happens if I forget my Online Banking password?You are allowed three attempts to enter your password. If you are unsuccessful after the third attempt, you will be locked out of Online Banking. Immediate access may be regained by using the “Forgot your Password?” option or calling Customer Service at (256) 386-5000 or (877) 865-5050.
Why do I need to establish security questions?The system will monitor your accounts online for any unusual or uncharacteristic activity, such as an attempt to log in from a different location, a request for an unusually large transaction or other unusual transaction. If something out of the ordinary is detected, Online Banking will verify your identity by asking you to answer your pre-established security questions.
What do I need to do to set up my security questions?You will be prompted to choose these questions during your initial log-in to Online Banking and provide answers only you would know. The system will then be ready to ask these questions if it detects any unusual activity on your account in the future.
Will I have to answer these questions each time I use Online Banking?No. It is usually rare that Online Banking needs to pose these questions to verify the identity of a person logging in or requesting a transaction. These questions will be posed if there is a variation in your particular pattern of use. For example, if you usually log in from your home computer in Alabama, and then you go on vacation and log in from a computer in Hawaii, the system may pose the questions to verify your identity and complete the login.
I already have virus protection, a personal firewall and run spyware detection software. Why do I need to have security questions?We are glad to hear you use virus protection, a personal firewall and spyware detection. Be sure to keep these software programs up-to-date for the best possible protection against viruses, trojans and other types of malware. In addition to your security software, our Online Banking security features provide greater protection by adding more layers of security to your online experience. These features work together with your own system security, but they do not replace them. They are used to prevent any unauthorized access.
What happens if I don’t log off of the Online Banking system?Online Banking has a ten-minute time-out feature. If you are logged in for ten consecutive minutes without using Online Banking, the system will alert you that time-out is going to occur and allow you to choose to continue your session. If you don’t continue, the session will log you off.
What can I do to protect my account information while I’m online?We take numerous steps to keep your account information secure. However, you must take precautions as well. We suggest the following: