Security Update Help and FAQs
Why do I need to update?
We have recently updated our Internet Banking technology to include Multi-Factor Authentication. This is intended to provide you with the best security possible when accessing your account online. Multi-Factor Authentication consists of validation and authentication of an individual using more than one method of verification. Generally, this is accomplished by verifying three things:
- Something you are, in the form of identifying information like your dog's name or where you went to high school.
- Something you have, for example a driver's license, or a security token.
- Something you know, such as a password or PIN.
Item #1 - You will need to create three (3) question and answer pairs. This allows us to verify that you are, in fact, you. A question, of which you will only know the answer, will be presented. If you don't answer the question correctly, you will not gain access to your accounts.
Item #2 - You will also need to create a "Security Key". This allows you to verify that you have reached our Internet Banking site, and not some other site. Every time you attempt to log in to your accounts, we will send you a graphical representation of the Security Key that you created. If you do not see that Security Key, or it is not the one you created, then you know that you are NOT at OUR site. If this happens, please contact us immediately.
Item #3 - This is one that you already know. This is your password.
Frequently Asked Questions
1) Why has the login page changed?
It is our commitment to you that access to your financial information is appropriately secure. The change you are seeing on the login page is due to enhanced measures to secure our Internet Banking site. As always, if you have any questions or concerns regarding these changes, please contact us. The following details are what you should expect.
Summary of the first time you log in after the mandatory security update:
The login process is changing in three ways:
- Login will become a multiple step process instead of one screen where you enter your User ID and password. You must now enter your User ID and Random Code.
- You will be asked to answer one of the challenge questions. If you choose to remember your computer you will bypass this step. Remembering your computer is on the last step of the login process.
- The last screen will prompt you to verify the Security Key Image that you selected during the security update and to enter your password. You may select to remember your computer here.
2) Why all this attention to security?
While the chances of identity theft or monetary loss are slim, there exists active malicious entities on the Internet that look to fraudulently gain from unsuspecting individuals. One of the most popular methods of fraud is through impersonating individuals during the login process. It is our intention to make this process as difficult as possible for these fraudsters while keeping your experience as hassle-free as possible.
3) Where do I input my Customer Access Code, the first information I used to put on the old internet banking site?
The Customer Access Code has been eliminated.
4) Will my Username Change?
Yes. The User ID will be your existing username with the last 4 digits of your SSN (Personal Accounts) or EIN (Business Accounts) added to it.
Example of Personal Account:
- Customer: John Smith – SSN 555-55-5556
- New User ID: jsmith5556
Example of Business Account:
- Customer: First Data – EIN 555-55-6668 – User: John Smith
- New User ID: jsmith6668
5) What is the Random Code?
The Random Code is an extra security measure used to eliminate fraudsters from randomly selecting account numbers. It is randomly generated each time you try to log in.
6) What is my Security Key Image?
The Security Key Image is used to help you identify our Internet Banking as a legitimate site. The text word or phrase you select will be converted to an image. When you log into Internet Banking you will see the Security Key Image on every page.
Some things to keep in mind:
- Use a unique set of characters or word(s) that you can use to identify our Internet Banking site has your Security Key Image
- Please do not enter any PINs or Passwords
7) What does "Remember this computer" mean?
If you choose to remember your computer, you will not be prompted to answer one of the questions you set up during enrollment. You will still have to enter in your User ID, password and the Random Code. You can remember your computer after you have completed the initial enrollment and login. The system uses information about your hardware and software to recognize a remembered computer. If you delete your browser cookies on your computer, you will have to re-remember the computer. The secure cookie will periodically expire on your computer and will require you to remember your computer again.
8) What does "Do not remember this computer" mean?
If you are using a computer that is accessed by numerous users (for example, at a library or at airport kiosks) we recommend that you do not remember your account on this computer. We only recommend you remember your personal computer at home or at work.
9) What is a secure cookie?
A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user. In this case, the cookie that is stored on your computer during login lets you bypass your personalized security questions whenever you access Internet Banking in the future. The secure cookie will periodically expire on your computer and will require you to remember your computer again.
10) Can I remember my account on another computer?
Yes. You can remember your account on more than one computer.
11) Can I, my spouse and children remember our accounts on the same computer?
Yes. You can remember numerous accounts on the same computer. This will bypass the security questions when you log in.
12) Do I have to choose “Remember my computer” when I delete my cookies?
Yes. The system uses your COMPUTER hardware and software information to recognize you are a legitimate user. If you delete your cookies, the information is no longer available to authenticate your login. You will be prompted to answer one of your security questions.
13) Why do I have to remember again when I use a separate browser on the same computer to access Internet Banking?
When you remember your account on a certain computer, it stores software and hardware information used to access Internet Banking. The system stores information like your browser (Internet Explorer, Netscape, Firefox) and operating system (Windows XP, 2000, Macintosh). If you access Internet Banking with anything different for future logins, you are required to remember the new system information.
14) Will my Password change?
No. The Password you use to log into Internet Banking will remain the same.
15) Will I still have online access to all of my accounts?
Yes. This process only effect how you log into Internet Banking; it does not effect any of your existing account information.
16) What will happen to my account alerts or any other saved settings within Internet Banking that I had set up before this change?
All established settings within your Internet Banking session will remain the same after this change.
17) What if I forget my password or the answers to my questions?
Please feel free to contact us by phone and we can reset your session. Our phone numbers can be found on this website under “Locations”.
18) Can I change my questions and/or my Security Key Image?
Yes. Once you log into your account you will have access to change your questions and/or your Security Key Image.
19) What if I had the old URL bookmarked and I cannot access the Internet Banking Site anymore?
Please access our Internet Banking Site at www.communitybankofbroward.com - Select Internet Banking - Select Logon to Internet Banking and bookmark this new URL.
Go back to the New Internet Banking Announcement Page.