Multifactor Identification for Internet Banking Citizens State Bank Monticello, Iowa 319-465-5921 www.citizensstateonline.com Effective December 11, 2006
Effective December 11, 2006, we will be introducing significant security enhancements to better secure our Internet banking environment. These changes are designed to ensure that only you can access your accounts. The security enhancements are called Multifactor.
The security of your personal information is our highest priority. To continue providing a safe and secure Internet banking environment we will be introducing significant security enhancements to better protect your personal information. These changes will include a new login screen. We are moving the entry of your password to a separate page.
Multi-factor authentication works by using more than one way to confirm your identity. Internet fraud is becoming more common and more advanced. As Internet thieves continue to develop new ways to trick people, their fakes become harder to spot. With multi-factor authentication, even if you fall for an Internet scheme, you are still protected.
Each time you login our system will verify the computer you are using. If the system recognizes your computer then your private picture and phrase will be displayed. This ensures that you are on the correct website.
If our system doesn’t recognize your computer it will challenge you with security questions that you submitted in the initial enrollment (see the next page). Only after successfully answering a question can you enter the Internet banking portal.
Always verify the image and phrase each time you login and never proceed if these don’t match your picture and phrase.