Multi-Factor Authentication FAQ's

• Login will become a multiple screen process.
• The first time you login, you will be asked to enter in five challenge questions and corresponding answers as well as a Security Key Image (more details below).
• During subsequent logins, you may be asked to answer a challenge question and verify the Security Key Image that you select (details below).

If the image-based keypad is enabled, why can't I use the keyboard to enter my password?

The Password/PIN number must now be entered using your mouse. Click on the correct character on the image-based keypad and you will see the password box populate with asterisks. The image-based keypad is used to prevent possible hackers from getting passwords while using special software designed to monitor keyboard strokes.

What is the Security Image?

The Security Image is used to help you identify Internet Banking as a legitimate site. The text word you select will be converted to an image. When you log into banking you will see the Security Text Image with a watermark logo behind it.

What if I forget my Password/PIN or my Challenge Question answers?

Please feel free to contact us and we can reset your session.

What will happen to my billpay settings, account alerts, or any other saved settings within Internet Banking that I had set up before this change?

 All pre-setup settings within your Internet Banking session will remain the same after this change.

Why all this attention to the login process?

While the chances of identity theft or monetary loss are slim, there do exist 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.

What does "Register This Computer" mean?

If you choose to register your computer, you will not be prompted to answer one of the 5 Security Questions you set up during enrollment. You will still have to enter in your Member Number, password/PIN and the random Security Code. You can register your computer after you have completed the initial enrollment. The system uses information about the members hardware and software to recognize a registered computer. If you delete your cookies on your PC, you will have to re-register the computer.

What does "Do Not Register This Computer" mean?

If you are using a computer that is accessed by numerous users (Ex. library) we recommend that you do not register your account on this PC. We only recommend you register your personal computer at home or at work.

Can I register on another computer?

Yes. You can register your account on more than one PC.

Can my spouse, children, and I register on the same PC?

Yes. You can register numerous accounts on the same PC. This will bypass the security questions when you log in.

Do I have to re-register my PC when I delete my cookies?

Yes. The system uses your PC 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.

Why do I have to register again when I use a separate browser on the same PC to access Online Banking?

When you register your account on a certain PC it stores software and hardware information used to access Online Banking. The system stores information like your browser (Internet Explorer, Netscape, ) and operating system (Windows XP, 2000, Macintosh). If you access Online Banking with anything different for future logins, you are required to register the new system information.

Will my PIN number change?

No. The PIN you use to log into Online Banking will remain the same.

What if I forget my PIN or the answers to my Security Questions and I am locked out of Online Banking?

Call us at 218-336-1800 or 1-866-724-3993 and we can reset your information.

How do I change my Online Banking PIN?

If you are NOT locked out of Online Banking, log in and click on the More Options button. Click on the Change Password button and enter your current Online Banking PIN followed by your new PIN twice.

Can I change my Security Questions and/or my Personal Phrase?

Yes. Log into Online Banking and click on the "More Options" button. A new button has been created called "MFA". Click on the "MFA" button to edit your Security Questions or Personal Phrase.

 If I get locked out of Online Banking, will I have to re-register for the new security piece?

No.

Will I still have access to all the same accounts online?

 Yes. This process only affects how you login, not your Online Banking accounts.