Access Shield – QUESTIONS AND ANSWERS

What is Access Shield?
Access Shield is an additional login procedure for your Online Banking sign-on process.

This new login procedure will include multiple steps to verify your identity. In addition to entering your Member number and password, you will now see a personal security image. In some cases you will also need to answer one of a set of pre-selected security questions.

Why did my login page change?
The Credit Union is offering improved online security features in an effort to prevent Online Banking users from falling victim to bogus websites that search for sensitive financial information.

How is the login process changing?
The login process is changing in three ways:

1. Login will become a multiple-step process. Instead of one screen where you enter your Member Number and Password you now enter your Member Number or User Name and Password.
2. The first time you login, you will be asked to input three challenge questions and corresponding answers as well as a personal Security Image.
3. During subsequent logins, you may be asked to answer a challenge question and verify the Security Image that you selected.

What is the User Name?
The User Name is an alternate way to gain access to your account. The User Name can be entered instead of your Account Number. The User Name must be unique. If you select a User Name already assigned to another member you will be asked to select another.

Will my Online Banking Password change with Access Shield?
No. The Password you use to login to Online Banking will not change.

What is the “Security Image”?
The Security Image is our way of letting you know that you are entering the legitimate Online Banking site of IBM Southeast EFCU. The text word that you selected at enrollment will be converted to an image. When you log into Online Banking you will see the Security Text Image with the IBM Southeast EFCU logo behind it. Don't use your Online Banking PIN or Password.

What does “Register this computer” mean?
As the final step of the enrollment process you will be asked if you want to register your computer. Selecting this option will allow you to skip the step of answering one of your three security questions during future logins. The system uses information about your computer’s hardware and software to recognize a registered computer. This reduces the information that you must enter while at the same time providing increased security.

What does “Do not register this computer” mean?
If you are using a computer that is accessed by numerous users we recommend that you do not register your account on that PC.

Do I have to re-register my computer when I delete my cookies?
Yes, if you delete your cookies you will need to re-register your computer. In order to authenticate your login, the system uses both hardware and software information from your PC. If you delete your cookies this information will no longer be available to provide this authentication.

Do I have to register my computer again when I use a separate browser to access Online Banking?
Yes, the Access Shield program uses both your hardware and software to recognize a registered computer. If you access Online Banking with a different browser, even if it’s on a previously registered computer, you will have to re-register the computer.

Can I register on more than one computer?
Yes, you can register your account on more than one PC.

Can my spouse, children, and I register on the same computer?
Yes, you can register numerous accounts on the same PC.

What if I forget my Password or the answers to my Security Questions?
If you should forget your Password or the answers to your Security Questions please contact us at serviceplus@ibmsecu.org, 800.873.5100 or 561.982.4700.

Can I change my Security Questions and/or my Security Image?
If you are NOT locked out of Online Banking you can login and click on the More Options button. Then click on either the change password or Access Shield button to change your information.

What if my joint account owner can’t remember the answers to my Security Questions?
If your joint owner is using a personal PC then have them register the PC so that they will not have to answer any security questions after the initial enrollment. If at some point the PC becomes unregistered your joint owner may have to contact you if they have forgotten the answer.

Will the new Security features affect my current access to accounts and services within Online Banking?
Since the new security features only affect the login process, access to existing accounts and services will not change.

Will the new Security features affect my downloading into Quicken or Microsoft Money?
No, the only thing that has changed is how you login to Online Banking.

Will I be leaving the IBM Southeast EFCU website when accessing Online Banking?
Yes, you will be redirected to a secure site, https://mfa.lanxtra.com for the authentication process.

Why all this attention to the login process?
The Federal Financial Institutions Examination Council (FFIEC) is requiring all US financial institutions to implement additional security for Online Banking. This requirement, also known as Multi-Factor Authentication, is mandatory and affects all financial institutions offering Online Banking.

The additional layer of security will help to combat criminal practices known as “Phishing” or “Pharming”.