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 **
** Special Note **
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?
ImageKey Enrollment Form
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.
Enrolling
Changing your image and phrase
Logging in on Public Computer
Logging in on Registered Computer
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