That's why a new feature for Online Banking, Enhanced Security, is so important.  The new security service is free, easy, and most importantly gives you extra protection from fraud and identity theft.

Enhanced Security is a superior security technology that protects your accounts from unauthorized access. It identifies you as the true “owner” of your accounts by recognizing not only your password but your computer as well. If we don’t recognize your computer – you’ve logged in from a public computer or one you haven’t used before– we’ll ask you to answer your  Challenge Questions as an additional line of defense to prevent unauthorized access. With Enhanced Security, you’ll be protected from whatever computer you're using, whether you're at home or on the go.

Enhanced security is designed to:

• Defend against identity theft and fraud.
• Provide security from any computer, wherever you are.
• Make it easy for you to bank online anytime, anywhere.

To protect all of our members' accounts, Enhanced Security will be required on all Online Banking accounts starting December 6, 2006.    Enhanced Security meets requirements outlined by the FFIEC, a federal governing agency for financial institutions.  The agency has mandated that all financial institutions have additional security in place by the end of 2006.   Learn more about the FFIEC at http://www.ffiec.gov.  The security changes are for the benefit of members by ensuring that their confidential account data is protected from would be hackers.

How to get started?  The first step is to enroll in Enhanced Security by following one of the two enrollment options.

Enrolling at prompt when logging into Online Banking:

1. After logging into Online Banking click Add extra security to my account and this computer if you are logging in at a computer you normally use for accessing Online Banking.   This will place secure coookies on that computer.  
2. Choose Add extra security to my account only if you are at a public computer in a library, a friend's house,  or elsewhere you don't want others accessing your account.  This will set up the account but will not place the secure cookies on that computer.

Enrolling at a later time from User Options Menu in Online Banking:

1. Go to User Options located at the top right corner of the page. Choose Enhanced Security from the list.
2. Click Add extra security protection to this computer and click Submit

What happens after my account is enrolled?

• On computers that you have 'added the extra security' you will login as usual.  The secure cookie has been placed on the PC so you will be able to login with your member number and password.
• On computers that don't have the extra security you will be asked to validate your identity by answering your challenge questions correctly before the login is successful and seeing your account information.  
• Maintaining Challenge Questions - if you want to change challenge questions go to User Options - Challenge Questions

Click on the demo link located on the right side of this page to view a demonstration for Enhanced Security.

TruAccess and Enhanced Security Notice
We are working to resolve issues with TruAccess and Enhanced Security.  Enrollment in Enhanced Security will temporarily disable updates for all Truliant accounts in TruAccess.     We apologize for any inconvenience this may cause and hope to have a solution in place soon.