Why do I need to have an Access ID, a password, a Challenge Questions/Answer and chose an authentication image and passphrase for my online banking account?
To increase security, the online banking web site uses multi-factor authentication to identify customer accounts. The Log In page is split into two separate pages as part of a Layered Authentication approach. The Layered Authentication is a security feature designed to protect the privacy and security of your personal information. The Challenge Questions/Answers are used to identify you and prevent unauthorized access to your information. The display of the Authentication image and pass phrase verifies you are at our website, not a fraudulent look-alike site.
