What is Enhanced Login Security?
Enhanced Login Security adds an additional level of security by identifying you as the true "owner" of your accounts through the use of a "cookie" placed on your computer/browser that identifies it as your computer/browser. (Please note that technically it is your browser that is identified, not your PC). This feature strengthens the security measures we already employ.

Why is FTWCCU adding Enhanced Login Security?
On October 12, 2005, the Federal Financial Institutions Examination Council (FFIEC), the regulators overseeing banks and credit unions, communicated that passwords alone will no longer be acceptable as the sole means of achieving online security. All financial institutions must comply with the terms of the FFIEC guidance by the end of 2006.

In addition to complying with this regulatory requirement, Enhanced Login Security is serving the best interests of our members. This additional security measure will help further minimize the ability of a fraudster to access online accounts.

What exactly happens with Enhanced Login Security?
When you log in to Internet Home Banking, you will be prompted to do two things: establish challenge questions for identification verification and register the computer/browser you use to log in to Internet Home Banking. The registration will consist of placing a cookie onto your browser. It’s a very short and simple process that takes only about a minute and you will be prompted every step of the way.

What if I’m too busy – do I have to do these things immediately?
You will have to set up the challenge questions the first time you log in to Internet Home Banking.

What are the challenge questions for?
Once you’ve enrolled in Enhanced Login Security, the questions serve as a back-up security measure – they are used when you log in from a computer/browser you have not registered (meaning you have not placed the security cookie on it). For example, if you log in from a computer at a public library, you would be asked to provide the answers to your challenge questions because that computer is not the computer you registered.

If I delete the cookie, what happens?
If this cookie is deleted by yourself or a ad ware,spy ware program your computer will be recognized and you will be able to login to home banking with just your member number and password. Your will need macromedia flash in order for your computer to be recognized.

What if I have an ad ware or spy ware program that deletes all cookies from my computer?
If this cookie is deleted by yourself or a ad ware,spy ware program your computer will be recognized and you will be able to login to home banking with just your member number and password. Your will need macromedia flash in order for your computer to be recognized.

How do I add Enhanced Login Security to multiple computers/browsers?
It’s simple. Log in to Internet Home Banking from whichever computer/browser you want to register, answer the challenge questions, click "User Options" and choose "Enhanced Login Security." Then select the "add extra security protection to this computer" option and click submit. You can add extra security to as many computers/browsers as you want.

Once I have added Enhanced Login Security to my computer/browser, what do I do if I need to access my Internet Home Banking account from a non-registered computer?
When you log in (with your member ID and password), you will be prompted to answer your challenge questions. If you choose to, you can then add Enhanced Login Security to this computer/browser by going to “User Options” and then “Enhanced Login Security.” Then select the "add extra security protection to this computer" option and click submit.

Once I set up my challenge questions/answers, is it possible to change them?
Yes, the challenge questions and answers can be updated within Internet Home Banking by choosing "User Options" and then choosing "Challenge Question Setup."

What if I can't remember the answers to my challenge questions?
Please call Member Services at 817-835-5000. or visit any of our branch locations to have your challenge questions reset. This will also reset your Password.

Are the challenge question answers case sensitive?
Yes, the challenge question answers that you submit are case sensitive.

What if I get an error message when I answer my challenge questions?
You should try to enter your information again. Don't forget that your challenge question answers are case sensitive. If you are unable to remember your answers, call Member Services at 817-835-5000 or visit any of our branch locations to have your challenge questions reset (this will also reset your password).

When I am first setting up the answers to my challenge questions, what do I do if I don’t have an answer to one of them?
Keep in mind that answers to the challenge questions can be anything you choose and can remember – the answers don’t have to be factual. For example, if a challenge question asks what your first car was, and you have never owned a car, the answer can be any word that you can remember; it doesn’t have to be a car.

What if I am using multiple browsers on the same PC?
If you are using multiple browsers (i.e., Internet Explorer and Mozilla Firefox) you will need to register both browsers to access Internet Home Banking without having to answer your challenge questions. To add extra security to an additional browser, you should log in to Internet Home Banking from that browser, answer the challenge questions, click "User Options" and choose "Enhanced Login Security." Then select the "add extra security protection to this computer" option and click submit.