LibertyOnline Summary

What is it?

In order to make your online banking experience as secure as possible, we are introducing a new security feature that detects any uncharacteristic or unusual behavior involving your online banking activity, business and personal. If anything out of the ordinary is detected, we will verify your identity.

How does it work?

If we detect any unusual or uncharacteristic activity, (such as logging on at unusual locations or times) we will ask you to answer security questions or receive a phone call to verify your identity. This will most likely be a very rare occurrence.

How will I start using it?

You will be prompted to enroll, based on the frequency of your online activity. At that time you will be asked to select and answer a few questions and provide a few phone numbers where you can be reached for verification. After you enroll, if unusual activity for your user account is detected, we will ask the questions you answered during enrollment or we may phone to ask for confirmation. It is that simple.

Frequently Asked Questions

Why is my online banking experience changing?

In order to make your online banking experience as secure as possible, we are introducing a new security feature. Most of the time your online banking experience will be the same as it was before, only now you will have an extra layer of security working behind-the-scenes to protect your account. The new security may – very infrequently – prompt you to verify your identity before continuing. This means you can now bank online with a renewed sense of confidence.

What is this new security system?

As our client, we know your typical transactions, times and locations. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity so that we can prevent fraudulent activity. This additional verification process will only happen on rare occasions. Normally you will not be asked for any additional information.

For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify who is attempting to access your account.

How do I sign up for the new security system?

There is no need to sign up for the service-it is already protecting you! Expect to be prompted at some point soon while banking online to enter additional information. This will include choosing several security questions that only you know the answers to, as well as supplying phone numbers where you can be reached while banking online. Once this occurs you have added an additional layer of protection to your account!

How much will it cost?

There is absolutely no cost to you associated with the new security system.

When will I be asked for more information?

You will be asked to enroll in the security service in the next few weeks. After enrollment, you will only be prompted to enter additional information when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.

What additional information will I be asked?

If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose during your enrollment. You may also be asked to answer an automated phone call.

What is unusual or uncharacteristic behavior?

Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how and where you normally bank online. If the requested action does not appear to be something you would normally do, we will ask you to verify your identity.

How are you able to detect unusual or uncharacteristic behavior?

The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the given activity and transaction within your account appears to be valid.

Will I be asked for more information all the time now?

No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.

How do I know it is working?

You only need to complete the set-up process once; afterwards the new security system will work automatically. You are protected every moment, from signing into your account to logging out. Occasionally you will see a symbol of a combination lock, padlock or vault to remind you that you are being protected.

How will my phone numbers be used?

If any unusual or uncharacteristic behavior is detected, you may be asked to answer an automated phone call. If this happens, you will be prompted to select one of the phone numbers you previously provided during the enrollment process. Once you answer the phone call, you will be prompted to enter the code that will appear on your computer screen at that time in order to verify your identity. Your phone numbers will not be used for any other purpose.

How many phone numbers should I provide?

You must provide at least one phone number but are encouraged to provide up to three. In case we need to verify your identity, you may receive an automated phone call at one of the numbers you have provided. It is important to provide numbers where you can be reached when you are banking online. For instance, if you bank online at work, you should provide your work or cell phone number so you can be reached there. This will ensure you can continue your online banking session without any inconvenience.

What if I need to change my phone number?

If you need to change your phone number, please contact Client Services at 541-681-4868, M-F 8:00 AM – 5:30 PM.

What if I cannot be contacted at any of the phone numbers listed?

If you cannot be contacted at any of the phone numbers, please contact Client Services at 541-681-4868, M-F 8:00 AM – 5:30 PM.

Is my personal information still safe?

Yes. In fact, your personal information is safer than ever before because we are verifying your identity and restricting unauthorized users from accessing your information.

How will this help prevent online fraud?

If your user name and password are stolen, the fraudulent user would have to be able to answer your security questions correctly or answer a call at one of the numbers you provided at enrollment before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information or be reached on the phone, the activity would be blocked. This added layer of security helps us protect your online account at all times.

I check my account often. Wouldn't I know if something unusual showed up on my account?

We are glad that you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn't make). This security service helps prevent those incidents from ever occurring, so when you check your account everything is exactly as it should be.

I already have anti-virus and a personal firewall. Why do I need this?

It is a great idea to have anti-virus security and a personal firewall. Be sure to keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against other kinds of threats such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.