Multi-Factor Authentication
Protecting your personal information is our top priority. To further protect
our Online Banking customers from fraud and identity theft, the FDIC is mandating
that we add another layer of security called Multi-Factor or Two -Factor Authentication
to the Online Banking log in process. The product we will be using is- PassMark.
This new login procedure will be activated in January 2007. Please read the
remainder of this notice to familiarize yourself with the new login procedures.
Two
Factor Authentication will verify your identity in two ways. Every time you
login to the Exchange State Bank Online Banking we identify you, and it lets
you identify the bank using an image and a pass phrase.
Follw these steps to enroll for Multi-Factor Authentication
1.
Log in by entering your current User ID.
5.
Complete the ImageKey Enrollment form. - Shown to
the right.
4.
Click Login
3.
Enter your current password.
2.
Click Continue
5a.
Enter an Authentication Phrase for the randomly selected Authentication Image.
**
NO SPECIAL CHARACTERS
**
5c.
Select whether you are logging in with your personal computer or a public
computer.
5b.
Provide answers for three random challenge questions.
6.
Click Submit
How Multi-Factor Authentication
Works
Logging
in With Multi-Factor Authentication From A Registered Computer
Enrollment
for Multi-Factor Authentication
Follw these steps to Login from a Registered Computer
1.
Log in using your current User ID.
If
the authentication image and phrase do not match, DO
NOT enter your password. Try logging in again or contact Exchange State
Bank at (507) 962-3250 or (507) 967-2570 for assistance with logging in.
4.
If the Authentication Image and phrase match your private image and phrase
you can then enter your password.
3.
Your Authentication Image and Phrase are displayed.
2.
Click Continue
5.
Click Login
Logging
in With Multi-Factor Authentication From a Public Computer
Follw these steps to Login from a Public Computer
1.
Log in using your current User ID.
If
the authentication image and phrase do not match, DO
NOT enter your password. Try logging in again or contact Exchange State
Bank at (507) 962-3250 or (507) 967-2570 for assistance with logging in.
6.
If the Authentication Image and Phrase match your private image and phrase
you can then enter your password.
3.
Answer one of the challenge questions correctly.
2.
Click Continue
7.
Click Login
You will have five chances to correctly answer one of
your three challenge questions correctly before being locked out of the
Online Banking system.
5.
Your Authentication Image and Phrase are displayed.
4.
Select whether you want to Register or Not Register the computer
that you are logging in from.
Changing
your Authentication Image and Phrase
Follw these steps to change your authentication image and
phrase.
5.
Click Login
1.
Log in using your current User ID.
If
the authentication image and phrase do not match, DO
NOT enter your password. Try logging in again or contact Exchange State
Bank at (507) 962-3250 or (507) 967-2570 for assistance with logging in.
4.
If the Authentication Image and phrase match your private image and phrase
you can then enter your password.
3.
Your authentication image and phrase are displayed.
2.
Click Continue
6.
Select Services to
bring you to the Services Menu.
7.
Select Security Maintenance
from the Services Menu.
8.
Click Change Image/Phrase or Change
Questions/Answers.
To
begin usin
When
entering your phrase please do not use Special Characters such as punctuation.
g this security enhancement all Online Banking customers will need to enroll
by following the steps listed below.
Registering Your Computer
- What Does This Mean?
Registering
your computer allows you to simplify the login procedure. The system creates
a blueprint of your computer system. The next time you login your computer system
will be compared to the system blueprint on file for the login being provided
thus allowing the system to verify that your system matches the blueprint of
the system on which the login was created. This is not mandatory it is available
for you to utilize if you are comfortable with the procedure. Not registering
your computer will present you with challenge questions that you will need to
answer correctly before the image and pass phrase are displayed which makes
the login procedure secure for public computers.
We are sorry for any inconvenience this may cause for you, but it is for
your benefit to have more security for your Online Banking sessions. The Exchange
State Bank staff will assist you with any questions you may have during this
new security enhancement. Thank You
