ENHANCED ONLINE SECURITY FAQS

What is Enhanced Online Security?
Enhanced Online Security is an additional layer of security to our Onine Banking log in process. This helps ensure that your information is secure, protecting you from fraud and identity theft.

How does Enhanced Online Security work?
Enhanced Online Security verifies your identity in two ways. Every time you log in to Online Banking, the bank identifies you and it lets you identify the bank using a secret image and pass phrase.

Why do we need Enhanced Online Security?
With Enhanced Online Security, we have added another layer of security to protect our customers’ information and their online banking accounts. Enhanced Online Security also guards against ever-increasing e-mail scams called phishing and pharming.

How do I enroll for Enhanced Online Security?
Customers will automatically be directed to the Security Data screen when they log in to Online Banking. Just follow the instructions provided on the screens. Enhanced Online Security is very easy to use.

If someone steals my Password, will Enhanced Online Security prevent them from accessing my account?
Yes. If an unauthorized person tries to log in to your account from another computer, they will be asked to select a Security Challenge. Without additional personal information they will not be able to log in to your account.

What keeps someone from stealing my Enhanced Online Security image and pass phrase?
Your Enhanced Online Security image and pass phrase automatically appear only if you log in from a computer we already recognize as yours. If you log in from a different computer, we will ask you to select an additional Security Challenge method.

How do I know I’m at the valid Internet banking site?
Your Enhanced Online Security image and text phrase will appear confirming that you are at Hiawatha National Bank’s legitimate Web site.

How do you know that I’m logging in from my own computer?
When you enroll, Enhanced Online Security uses a cookie to identify your computer. Each time you log in, our software identifies your computer, your IP address, and other unique identifiers. The cookie is secure and does not contain any personal information.

If I delete cookies, will I have to register the computer again?
Not necessarily. If you have Adobe Flash Player installed on your computer, we will use Flash shared objects to identify your computer in the event that we can’t identify your cookies. By using Flash shared objects as a backup method for recognizing you as a valid user, we ensure that your log in experience is as quick and convenient as possible.

Can I access Online Banking from multiple computers?
Yes. You can access Online Banking from any number of computers. If you log in from a computer that you haven’t used for Online Banking before, you just need to select an additional Security Challenge method. You can register as many PCs as you like.

I share my computer with someone who also uses Online Banking. Can both of us still log in from this computer?
Yes. There is no limit to how many people can log in to Online Banking from the same computer. Remember not to share your Access ID, Password or answers to your challenge questions.

Can I change my Enhanced Online Security image, text phrase and challenge questions (or e-mail address)?
Yes, after logging in, select OPTIONS then CHANGE SECURITY DATA. SAFETY TIP: Bank will never ask you to change your Enhanced Online Security information, and we will never change it for you.

Is there a fee for using Enhanced Online Security?
Enhanced Online Security is free. It is just one more way we are working with you to safeguard your privacy and security.