Important Information

Your password will expire every 90 days

While it may seem like an inconvenience to require you to change your password, this is an essential piece of the multi-layered security approach. Compromised user data becomes a commodity on the open black market for cyber criminals. Although you can’t prevent customer data from being acquired, you can help to ensure that your data is not useful to the criminals by changing your password frequently.

Previous 4 passwords cannot be reused.

This prevents you from switching back and forth between familiar passwords each time the password expires and further promotes security on your account.

Passwords must be between 6 – 8 characters. Passwords must contain alpha and numeric characters. Passwords cannot have repeating characters. Passwords are not case sensitive.

What if I want to use a special character in my password?

Our system will only allow you to add a special character in your password once you are already logged into Online Banking. To change your password to include a special character click on the “Options” tab and enter your new password. Additionally, 14 days before your password expires the system will alert you during Online Banking log in that your password is about to expire and you may choose to reset your password with or without special characters at this time.

Password strength is another important consideration. Obviously, the more complex a password, the harder it is to guess. When presented with the option to use a 4-digit PIN (numbers only) many users will use 1234 or 2468 – something simple and often tried by fraudsters.

Password Tips: Choose a password that is memorable, but hard to guess. Make sure that it is NOT a name, a word, or something associated with an individual, such as login ID, birth date, initials, children's names, a sport, etc. Ensure that the password is NOT related to a place of business or a project, and avoid keyboard related passwords such as "asdfjkl" or repeating sequences such as "111111" or "aaaaaaa.” Do not use English or foreign words proceeded with a number or special character such as: “Computer1,” “2Micheal,” or “Redskins!.”

Choose passwords that are a combination of disassociated words, or compose a password from the first letters of a verse in a favorite poem, song or movie. You can also consider coming up with a sentence about your life and turn the letters of that sentence into a secure password you can remember. The following examples illustrate how a password could be composed:

• twrnika (Toto, I have a feeling we're not in Kansas anymore)
• 2bon2b (To be, or not to be that is the question)
• m1cwa98n (My first car was a 98 Nissan)

Note: Do not use any of these examples since they have been made public.

We are increasing our Multifactor Authentication (MFA) security to provide an additional layer of protection for your Bill Payment transactions.

MFA is a layer of security in which more than one form of authentication is implemented to verify the legitimacy of a transaction. In contrast, single factor authentication ( SFA ) involves only a user ID and password . MFA challenges users for additional information, such as verifying an image and/or answering several questions. Our MFA upgrade will continue to authenticate at login and now provide an additional layer of security for your Bill Payment transactions.