ENHANCED SECURITY FOR ONLINE BANKING!
Premier Bank is implementing a higher level of security for our
online banking customers. An additional layer of security, called
Multi-Factor Authentication, is being added to our login process. This will help ensure that your information is secure, protecting you
from fraud and identity theft.
Enhanced Online Security verifies your identity in two ways. Every
time you login to Online Banking, the bank identifies you, and
it also allows you to identify the bank using an authentication
image and pass phrase.
Enhanced Security Frequently Asked Questions (FAQ)
Why do we need Enhanced Online Security?
With Enhanced Online Security, weíre adding another level of security to
our customersí information and their Online Banking accounts. Enhanced Online Security also guards against ever increasing email scams
called phishing and pharming.
Has my password changed and where do I enter in my password?
No. You can still use your current password for logging into
We no longer prompt you for your Access ID and Password on the same
page. You are prompted for your password after you have identified
yourself by your Access ID and we have identified the device from which
you are logging in. We retrieve your authentication image and pass
phrase and present this on the password page. This allows you to
be sure that you are connecting to Premier Bankís website before
entering your password.
Why am I being asked a Challenge Question instead of showing my
This is to help verify that it is really you signing in. These
challenge questions are to prevent unauthorized access to your accounts
because only you know the answers to these questions.
What if I enter the wrong answer to my Challenge Question?
You will get a second try. If you answer it incorrectly again, you
will be asked a different Challenge Question. You will get two
tries to answer this question correctly. If you answer it
incorrectly both times, you will be locked out for 30 minutes. After 30 minutes, you can try again and will get the same number of
chances. If you do not succeed in answering the questions
correctly this time, you will be locked out and need to call the bank to
have your account unlocked and password reset. If your password is
reset, you will need to choose new Challenge Questions upon your next
If someone steals my password, will Enhanced Online Security prevent
them from accessing my account?
Yes. If an unauthorized person tries to login to your account from
another computer, they will be asked one of your challenge questions.
Without this additional personal information, they will not be able to
login to your account.
What keeps someone from stealing my Authentication Image and Pass
Your Authentication Image and Pass Phrase automatically appear only if
you login from a computer we already recognize as yours. If you
login from a different computer, we will ask one of your challenge
questions before showing the image.
How do I know Iím at Premier Bankís valid Online Banking site?
Your Authentication Image and Pass Phrase will appear confirming that
you are at Premier Bankís legitimate web site. If you do not
recognize your Authentication Image and Pass Phrase, do not enter your
password, call your Premier Bank office.
Can I access Online Banking from multiple computers?
Yes, you can access Online Banking from any number of computers.
If you login from a computer that you havenít used for Online Banking
before, you just need to answer one of your challenge questions to
verify that itís you. You can register as many PCs as you like.
Please keep in mind, once you register a computer as a personal
computer, you CAN NOT change it to a public computer. If you
register a computer as a public computer, you can change it to a
personal computer at a later time.
I share my computer with someone who also uses Online Banking. Can
both of us still login from this computer?
Yes. Thereís no limit to how many people can login to Online
Banking from the same computer. Remember not to share your Access
ID, Password, or answers to your Challenge Questions.
Can I upload my own image?
No, you may not upload your own image at this time. For security
reasons, you must choose one of the 36,000 images provided to you.
Can I change my Enhanced Online Security Image, Text Phrase or Challenge
Yes, after logging in, select OPTIONS, then CHANGE SECURITY DATA.
SAFETY TIP: Our financial institution will never ask you to change
your private information and we will never change it for you. We
also do not have the capabilities to research your answers to the
To change your Authentication Image:
- Click Change Image or
click on your authentication image.
- Put a check mark in
the box if you would like an image saved.
- Click more images ~
there are 36,000 images available. It will show the image you
saved plus more selections.
- Click on the image you
would like. This image will now show as your Authentication Image.
To change your Pass Phase: please enter a new Pass Phrase.
To change your Challenge Question(s):
- Select a new question
from the drop down box.
- Type in new answer to
the challenge question.
- You can also enter a
new answer to a current question.
Click Submit to save your changes to your Security Data!
Download FAQ in PDF