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Frequently
Asked Questions |
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| 1. |
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What
is CTSecure Online Account Authentication? |
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The
CTSecure Online Account Authentication solution
is an enhanced online security feature that is
now a standard part of your ColeTaylor Online
logon. As a part of our ongoing commitment to
help protect you against identity theft and fraud,
CTSecure Online Account Authentication provides
you added safety by helping ensure that only you
can access your bank account. Your CTSecure Online
Account Authentication personal security image
is a picture and caption that is a shared secret
between you and the bank. When you see your personal
security image, you can be confident that you
are at the legitimate bank web site, not an imposter
site.
Make
sure you see your personal security image before
you enter your password.
In
addition, the CTSecure Online Account Authentication
solution remembers which computer(s) you normally
use, preventing potential fraudsters from logging
into your account even if they somehow get hold
of or guess your username and password.
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| 2. |
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What
is Phishing? |
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Recently
there have been attempts by fraudsters to trick
people into revealing their personal information,
such as passwords, by creating fake web sites
that look very much like the sites of legitimate
financial institutions. They send out emails
randomly with links to these fake web sites.
This phenomenon has been called Phishing, (pronounced “fishing”).
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| 3. |
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Why
do I need the CTSecure Online Account Authentication
solution? |
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On
the Internet today, fraudsters attempt to steal
your identity by impersonating the web sites
you trust. The CTSecure Online Account Authentication
enhanced security feature helps us to proactively
protect you, our customer, against such attacks.
In addition, you can ensure that we also recognize
you as the true owner of your account. If we
don’t recognize your computer, we will
ask you one of your challenge questions as an
additional line of defense against unauthorized
access to your accounts.
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| 4. |
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How
does it work? |
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When
you visit your branch office, you know our
faces and we know yours. CTSecure Online Account
Authentication does the same thing over the
Internet. It is a new method to identify us
to you and you to us. When you enroll in CTSecure
Online Account Authentication, you will select
a secret image and caption known only to you.
Whenever you logon we will show you this image
and caption so you can rest assured that you
are accessing the real banking site and not
an impostor site.
We also
check the computer(s) or device(s) that you
are using to access the web site. Typically
you will access the web site from one or two
computers, such as your work and home machine.
CTSecure Online Account Authentication remembers
your computer. Should you need to logon from
a different computer, such as an Internet café,
we will take additional steps to verify your
identity, such as ask you to provide the answer
to challenge questions we both know the answers
to.
CTSecure
Online Account Authentication remembers your
computer by assigning a unique identifier to
each computer you use to access our web site
using standard secure cookies. The cookie is
used to store the identification information
only. No personal or private data is stored
in any way.
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| 5. |
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How is CTSecure Online
Account Authentication more secure? |
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CTSecure
Online Account Authentication protects you from
accidentally revealing your username and password
to a fake site. In addition, if someone does
somehow get your username and password, he will
still not be able to access your account because he
is not at your registered computer and cannot
answer a challenge question to verify their identity.
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| 6. |
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What
keeps somebody from stealing my personal security
image and phrase? |
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We only show
you your personal security image and phrase if
you logon from your own computer, or after you
have answered a challenge question. So, it is not
possible for an unauthorized person to access your
picture.
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| 7. |
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Why
am I being asked a question when I try to logon? |
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We
ask you a challenge question when we detect that
you are trying to logon from a new computer.
This is to prevent someone with stolen passwords
from logging into your account. Since only you
know the answer to the questions, we will know
it’s really you. Generally you will be
asked to answer a secret question only when you
logon for the first time from a new computer.
After
you answer the question, you will be asked
whether we should remember this computer for
future logons. If you are using a personal
computer, you should answer yes. If you are
using a public terminal, you will want to answer
no.
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| 8. |
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Can
I access my account from multiple computers? |
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Yes, you can
still access your bank account from any number
of computers and still have the same CTSecure Online
Account Authentication protection. If you logon
from a new computer or a public terminal, you will
just need to go through one extra step of answering
a secret question. This helps protect you by keeping
unauthorized people from accessing your valuable
information. There is no limit on how many different
computers you can use to logon to your bank account.
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| 9. |
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I
am not an Internet expert. How easy is CTSecure
Online Account Authentication to use? |
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CTSecure Online
Account Authentication is extremely simple for
anyone to use. You don’t need to memorize
anything new—just use the site as usual and
look for your personal security image and caption
at logon.
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| 10. |
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I
share my computer with someone who has their
own bank account. Can both of us still logon
from this machine? |
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Yes, you can
both use the same computer to logon to your individual
bank accounts. There is no limit on how many people
can logon to the bank web site from the same computer.
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| 11. |
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What
happens if someone steals my password? How
will CTSecure Online Account Authentication
keep them from accessing my account? |
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When an unauthorized
person tries to logon using your stolen user name
and password, we will recognize that they are logging
in from a different computer, and ask them one
of your challenge questions. Since only you know
the answers to your secret questions, they will
not be able to give a correct answer. They will
not be able to logon.
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| 12. |
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Can
I change my CTSecure Online Account Authentication
image and caption? |
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Yes, you can
change your CTSecure Online Account Authentication
image and caption at any time.
We will never ask you to change your CTSecure
Online Account Authentication information and we
will never change it for you. To make the change,
go to the account maintenance link after you logon
to your account.
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| 13. |
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How
do you know I am logging in from my own computer? |
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When you logon
for the first time from a new computer, we put
a secure (encrypted) cookie on your computer. This
cookie contains a randomly generated unique number
that identifies your computer. The cookie is visible
only to the bank web site and does not contain
any of your personal information. When you logon
after that, your web browser sends us this cookie.
This lets us know that this is your computer.
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| 14. |
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Does
CTSecure Online Account Authentication use flash
objects? |
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Yes. If you
have Macromedia Flash installed on your computer,
we will use Macromedia Flash Objects to identify
your computer in the event that we can’t
identify your cookies. By using Flash Objects as
a backup method for recognizing you as a valid
user, we ensure that your logon experience is as
quick and convenient as possible.
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| 15. |
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What
is a flash object? |
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Macromedia Flash
Objects store data on your computer in much the
same way that cookies do. If you have Macromedia
Flash installed, Our Bank can use Flash Objects
to recognize your computer in the event that you
erase all your cookies. That way, even if we can’t
identify you by your cookies, we can identify you
as a valid user without having to ask you one of
your challenge questions.
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| 16. |
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I
am trying to logon from my own computer, but
the bank’s web site is not showing me my
CTSecure Online Account Authentication image
and caption. Instead, it is asking me a question.
What is happening? |
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This might happen
in cases if you have deleted all cookies on your
computer. Before answering a secret question or
entering your password, make sure that you are
going to the legitimate bank web site. The easiest
way to ensure this is by typing the URL of the
bank (www.bank.com) directly into your web browser.
Then, after you answer the challenge question,
you should see your secret image and caption next
to the password field. If your CTSecure Online
Account Authentication image and caption is there,
you can be confident that you are at the legitimate
web site and can enter your password.
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| 17. |
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What
is a Trojan or Key Logger? |
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Some fraudsters
have been putting programs on random computers
in order to harvest your user id and password information
used to log-in to web sites. They collect this
information and secretly transmit it to their own
computers and attempt to logon to your site. These
are called Trojans (short for Trojan Horse) or
Key Loggers (for logging your keystrokes).
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| 18. |
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How
does CTSecure Online Account Authentication protect
me from a Trojan or Key Logger? |
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Once you have
a CTSecure Online Account Authentication image
and caption and have registered your computer,
even if a fraudster steals our logon ID and Password,
his computer will not be registered and he will
not be able to logon as you; thus, CTSecure Online
Account Authentication protects your identity and
your account.
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| 19. |
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Has
my password changed? |
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No. The CTSecure
Online Account Authentication image, caption, and
three challenge questions and answers you provide
are separate from your regular ColeTaylor Online
logon password.
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| 20. |
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How do I enroll
in CTSecure Online Account Authentication? |
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The next time
you logon to ColeTaylor Online, you will be directed
to enroll in CTSecure Online Account Authentication.
You simply choose a personal security image, caption,
and three challenge questions.
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Click
to read our Personal Internet Banking Agreement.
Click
to read more about Online Security.
Contact
a banker now
for more information. Or call us at 847-653-7978.
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FDIC |  Equal
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