About Security

Your online security is very important to us. We take several precautions to ensure your information is secure.

To access our secure area, you must enter your Logon ID and Security Code. As a security precaution, we store your Security Code in our database in an encrypted format that even we cannot decode.

In addition, Enhanced Authentication provides extra protection for your online data and helps guard against phishing scams and identity theft by recognizing your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access.

The system also displays a secret image and phrase combination that you choose. This secret image and phrase is displayed each time you log on to reassure you that you are logging on to your actual Internet banking or bill payment site. If you do not see your image and phrase, you should not enter your Security Code.

Other online security measures include:

Secure Sockets Layer (SSL) protocol to ensure that your connection and any information transmitted is protected.

128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic time out that occurs if you are inactive in the secure area of our site for more than 10 minutes.

If your browser doesn't support SSL or 128-bit encryption, you will need to upgrade your browser.

While we continue to evaluate and implement the latest improvements in Internet security technology, users of the system also have responsibility for the security of their information and should always follow the recommendations listed below:

Site best viewed with recent versions of Internet Explorer, Firefox, and Safari.

Keep your Security Code confidential.

Be sure others are not watching you enter information on the keyboard when using the system.

Never leave your computer unattended while logged on to the system. Others may approach your computer and gain access to your account information if you walk away.

Exit the system when you are finished to properly end your session. Once a session has ended, no further transactions can be processed until you log on to the system again.

Close your browser when you are finished, so that others cannot view any account information displayed on your computer.

Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the system.

Consumer Liability for Unauthorized Transfers

Event	Timing of Consumer Notice to Financial Institution	Maximum Liability
Loss or theft of access device 1	Within two business days after learning of loss or theft	Lesser of $50 or total amount of unauthorized transfers
Loss or theft of access device	More than two business days after learning of loss or theft up to 60 calendar days after transmittal of statement showing first unauthorized transfer made with access device.	Lesser of $500 or the sum of: (a) $50 or the total amount of unauthorized transfers occurring in the first two business days, whichever is less, and (b) The amount of unauthorized transfers occurring after two business days and before notice to the financial institution. 2
Loss or theft of access device	More than 60 calendar days after transmittal of statement showing first unauthorized transfer made with access device.	For transfers occurring within the 60-day period, the lesser of $500 or the sum of (c) Lesser of $50 or the amount of unauthorized transfers in first two business days, and (d) The amount of unauthorized transfers occurring after two business days. For transfers occurring after the 60-day period, unlimited liability (until the financial institution is notified).3
Unauthorized transfer(s) not involving loss or theft of an access device	Within 60 calendar days after transmittal of the periodic statement on which the unauthorized transfer first appears.	No liability.
Unauthorized transfer(s) not involving loss or theft of an access device	More than 60 calendar days after transmittal of the periodic statement on which the unauthorized transfer first appears.	Unlimited liability for unauthorized transfers occurring 60 calendar days after the periodic statement and before notice to the financial institution.

1. Includes a personal identification number (PIN) if used without a card in a telephone transaction, for example.
2. Provided the financial institution demonstrates that these transfers would not have occurred had notice been given within the two-business-day period.
3. Provided the financial institution demonstrates that these transfers would not have occurred had notice been given within the 60-day period.