First National Bank of McHenry

INTRODUCING PASSMARK™ A NEW LAYER OF SECURITY

First National Bank of McHenry is working hard to add additional security measures to our online banking services so that you have the confidence that your information is being protected.

Within the next month, First National Bank of McHenry is adding an additional layer of security that will change the way you log into Personal Online Banking. These changes will provide even greater levels of protection against fraudulent attacks such as phishing, spoofing, key logging, and identify theft. All users will be required to select challenge questions and answers, select a unique image and create a personal description (also known as the Authentication Pass Phrase) for the image that is only known by you. Each time you log in thereafter, the image and Authentication Pass Phrase will appear to verify to you that you are on the official First National Bank of McHenry’s website before entering your PASSWORD. You will NOT have to select a new Password during this process.

The final level of the new security is the authentication of your computer. First National Bank of McHenry has the ability to recognize the computer or computers from which you usually log on. If our system detects a suspicious login due to an unfamiliar computer, it will automatically present you with challenge questions that were previously selected.

GETTING STARTED IS EASY!

STEP 1: Login using your ACCESS ID. Click Submit.

Note: The login page is now split into two separate pages. Neither your ACCESS ID or PASSWORD have changed.

STEP 2: Enter your PASSWORD. Click Submit.

STEP 3: Verify that your e-mail address is correct.

STEP 4: Enter an Authentication Pass Phrase underneath the image.

Note: Do NOT make this Authentication Pass Phrase the same as your Password.

STEP 5: Select your challenge questions and provide your answers.

STEP 6: Select whether to register this computer.

Note: Only register personal computers that you frequently use and are not available for public use. Examples of public use computers include those found in internet cafes, hotel lobbies, libraries, etc.

STEP 7: Click Submit

The next time you log onto our internet banking service, First National Bank of McHenry will recognize you and display the image and the Authentication Pass Phrase you selected. If we don’t recognize the computer you are using to log in, we will ask you to answer one of the security questions you previously created. After completion of the steps above, if you don’t see the image you selected, exit the site immediately and notify the bank.

FREQUENTLY ASKED QUESTIONS

Q: What’s the point of all of this?
A: Having your personal information stolen is a major buzzkill. Anything we can do to make your online banking experience safer and more secure is in both yours and our best interest.

Q: Does this process have a name?
A: It is called Layered or Multi-Factor Authorization (MFA). If you haven’t heard of it by now, you will very soon. Financial Institutions across the country are implementing similar MFA procedures and solutions.

Q: How does Multi-Factor Authorization work?
A: Upon your initial registration, First National Bank of McHenry’s host computer will verify some of your personal computer’s forensic characteristics in the form of a secure cookie that does not contain any personal information as well as checking various shared objects on your personal computer’s hard drive. Upon subsequent logins from the same computer, we will be able to verify that we have communicated with that particular computer previously. By entering your Access ID and Password, we are able to verify that we are communicating with you. Thus, the term, Multi-Factor Authorization.

Q: What if I my Internet Explorer privacy settings are set to block all cookies?
A: We will have a very difficult time authenticating your personal computer as one we have communicated with in the past. Blocking all cookies is a security procedure that is extreme. You can safely browse the internet with your privacy settings at High or lower.

Q: What if I routinely delete my cookies from the browser cache or reinstall various hardware and software components?
A: You will need to re-register the computer.

Q: What’s the deal with that funky image and the Authentication Pass Phrase ?
A: The image and Authentication Pass Phrase is to let you know we have completed authentication of your personal computer and to let you know you are on our secure site. You will always see the same image and Authentication Pass Phrase. If you do not see the image and Authentication Pass Phrase you selected, you are not on our secure site. DO NOT ENTER YOUR PASSWORD.

Q: The image you randomly selected during registration disturbs me. Can I change it to something that I like?
A: Yes. After you successfully login, click the Change Password button. Select Change Security Data. There are 30,000 images from which to choose. You should find something more to your liking.

Q: What about changing the Authentication Pass Phrase or the Challenge Questions and Answers. Can they be changed as well?
A: Yes. After a successful login, click Change Password options button. Select Change Security Data.

Q: Do I have to be truthful about my answers the Challenge Questions ?
A: Not necessarily. But be prepared to remember what you answered. We, quite honestly, don’t care if you tell us the Chicago Bears are your favorite sports team (when in reality you are a closet Packers fan). Just make sure you are consistent with your answers. Failure to correctly answer the Challenge Questions will result in a lock out.

Q: I’m getting the error “Unable to Process Request – Try Again Later or Contact Customer Support.” Why?
A: You likely answered a Challenge Question incorrectly. There is also a possibility that you are spelling your answer differently from when you registered. Either way, this condition will result in a lockout of your online banking session. Please contact Customer Service in order for the bank to release the lockout. The Security Questions and Answers will need to be provided at next log in. The option to register the computer is also presented.

Q: I access my account from both my home computer and work computer. Can I register them both ?
A: Yes, you may register multiple computers. Choosing whether to register a work computer is an individual decision that should be made on a case-by-case basis. One factor to consider before registering a work computer is how many potentially deviant people that you work with have access to that same computer. Although, the computer itself would be registered for Multi-Factor Authorization, the deviant would still need to know your ACCESS ID and PASSWORD to gain access to your accounts.

Q: I work with a lot of deviants and busybodies, so I’m choosing not to register my work computer. Can I still log in to Personal Online Banking from my work computer?
A: Yes. After entering your ACCESS ID, your authentication image and Authentication Pass Phrase will appear. After entering your PASSWORD, our host computer will recognize that you are logging in from an unregistered computer, and ask for the answers to the randomly selected Challenge Questions.

Q: I accidentally registered a public computer; is this really a problem ?
A: It could be. The only way some one could access your personal information is if they knew your ACCESS ID and PASSWORD as well. So immediately changing your PASSWORD from a registered non-public computer is advised. Furthermore, you should contact the bank and request that we delete your Multifactor Authorization specifications. Doing so, will erase the registration data of the public computer you accidentally registered. It will also erase the registration data for non-public computers which, in turn, will require your non-public computer to be re-registered.

Home