Enhanced Login Security Frequently Asked Questions

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3 Enhanced Login Security Frequently Asked Questions Below are Frequently Asked Questions to assist you and you can also contact Customer Service at or Q: What is Enhanced Login Security? Enhanced Login Security is an online security feature that provides additional protection from fraud and identity theft. By recognizing your login identification and your computer, Enhanced Login Security verifies that you are authorized to have access to the online system. Q: Am I required to use the Enhanced Login Security feature? Yes, once this feature is enabled for your business by Citizens National Bank, you will be challenged at login if the system does not recognize your computer. Enhanced Login Security helps prevent unauthorized access to the online system, protecting the functions and financial information related to your banking accounts. Q. What does challenge mean? If the system does not recognize your computer, you will be challenged for additional authentication. You will be sent a security code by voice call, text message or and you must enter your one-time passcode to be authenticated and allowed access to the system. Q. How does Enhanced Login Security work? The system will give you the opportunity to enroll each computer that you use for Business Banking Online. Once you have added the extra login security to your computer, you will see no difference to the login functionality. However, if you login from a different computer than the one you have enrolled, you will be presented with the challenge in order to login. We recommend that you only enroll computers that are secure and can only be accessed by authorized individuals. For example: you would not want to enroll a computer that was located within a public area, or used by many people. Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately. Q: How many phone numbers can I add for authentication? Each user can add up to 5 phone numbers. Q: Can I use a phone number with an extension? Yes. When adding a phone number for authentication you can use extensions. Q: Should my company s employees use their personal cell phones for authentication? The system will allow any phone number to be used. Whether or not your employees should be allowed to use their personal cell phone numbers for authentication is a decision your company must make. Q. What does it mean to enroll my computer? When you enroll your computer for this service, you allow the system to place a code, called a cookie, on your computer. The cookie contains a unique identifier that is used in combination with your login identification. At every subsequent login attempt after enrollment, the system will look for this cookie

4 and validate that it matches the login identification that you entered. This cookie is used by the system only to validate your computer s identity and does not contain any personal information. Q. What should I do if I want to unenroll a computer that I have previously enrolled? If you discontinue using a specific computer to access the system, we suggest that you unenroll that computer from this service. This can be done by logging into your account from the computer that you want to unenroll and select the Unenroll Computers option from the Administration --> My Profile main menu. This will remove the secure cookie from that browser. If an attempt is made to log into the system with the unenrolled computer, a challenge will be presented before access is granted. Q. Can I unenroll a computer from a different computer? Yes, however you will have to unenroll all of your computers. This can be done by accessing the Unenroll Computers option from the Administration --> My Profile main menu. Q. Can I log in from multiple computers and browsers? Yes. You can log in from as many different computers and browsers as you like. However, if you log in from a computer that the system does not recognize, you will be challenged for further authentication and will be given the opportunity to enroll that computer. Note: If you use multiple browsers on the same computer you will need to enroll each browser separately. Q. Why do I keep getting challenged when I log in from a computer browser that I have already enrolled? This is probably happening because the cookie that we placed within your browser is being deleted. We recommend that you do not delete these cookies if you do not want to be challenged at each login. Q. I share my computer with someone that also uses the online banking system. Can both of us still log in from the same computer browser? Yes. You can use the same computer to log in since the cookies placed on the computer are specific to each User ID. Q. What is a One-Time Passcode? A one-time passcode is a temporary code provided by the system that is unique to you and is used in the process to authenticate your identity. Q. When will I receive a One-Time Passcode challenge? You will receive a security challenge each time your Company ID, User ID and User Password has been successfully authenticated from a computer that is not recognized. You may also receive a security challenge by clicking on the word here in the phrase click here to request a new One-Time Passcode when it is presented during the authentication process. Q. Will my One-Time Passcode expire? Yes. Your One-Time Passcode will expire if your session times out or within 30 minutes, whichever is less. The expired security code entry will count as a bad login attempt. Q. Can I reuse a One-Time Passcode? No. Each One-Time Passcode is unique and valid for a single use only.

5 Q. Can I still log into the online system from anywhere? Yes. This service does not prevent you from logging in from any computer. If we do not recognize the computer that you are using, then you will be challenged for a security access code before being allowed access.