Introducing Security+ for Online Banking

Our customers' online security has always been a top priority for First IB. That's why First IB is so pleased to introduce Security+ for Online Banking – a free, easy-to-use service that gives you extra protection from fraud and identity theft.

Security+ will be available to all customers beginning September 13, 2006.

Up until now, a password was all you needed to access your accounts online. Security+ adds another authentication factor to identify you as the true owner of your accounts.

How It Works

Security+ works by placing a non-invasive, non-tracking cookie on the browser of computers you use regularly. The cookie is encrypted and contains no externally identifiable information about you or your accounts. When you log in, our online banking system verifies your User ID and password and checks for the presence of the cookie.

You control which computers receive the cookie by going to the Preferences section of our online banking site and selecting Security+ for Online Banking. First IB recommends you install the cookie only on the computers you use regularly and trust, such as your home or work computers. We urge you not to place the cookie on the browser of any public or shared PC, such as one at a school, library, or Internet café.

What If The Cookie Is Not Present?

If the cookie is not present, you will be presented with a series of challenge questions to answer. These questions are designed to be information about you that would be hard or impossible for anyone other than you to answer correctly. If you answer correctly, you will be granted access to your accounts. Answer incorrectly, and your access will be denied.

You will be prompted to choose these questions and answers the first time you log in to our online banking system on or after September 13, 2006.

If you forget the answers to your questions, First IB Banking Specialists can reset your questions and answers, but no employee of First IB can view the questions and answers you have selected.

Is Security+ Required For Customers?

Initially, Security+ for Online Banking will be offered as an optional enrollment. You will be prompted to select challenge questions and answers on or after September 13, but you are not enrolled in Security+ until you download a cookie to your browser for the first time through the Preferences link in Online Banking. You may enroll at your convenience, but First IB encourages you to enroll early to enjoy the additional security this service affords.

In the future, Security+ will be required for all customers using our online banking system. Customers who have not already enrolled will receive notifications prior to the mandatory enrollment. At that point, customers who choose not to install the cookie on any browser will be prompted with the challenge questions at each and every login.

Questions?

Extensive help is available through links in the Security+ pages of our online banking site, and First IB Banking Specialists will be happy to answer any questions you may have. Use the Contact Us link to get in touch with a First IB Banking Specialist.