Security Upgrade for eFire Online Banking
Frequently Asked Questions:
Frequently Asked Questions:
When will the upgrade happen?
The upgrade will take place on the evening of January 15, 2013.
What are the new security requirements for usernames and passwords?
Usernames:
Must be between six and 20 characters in length
· Cannot be all numbers (but can be all letters or all allowed characters)
· Can contain letters, numbers and the following characters: @$*_?=.!~
· Cannot contain any whitespace (spaces are not allowed: including before, in the middle of, or after the
· username)
Passwords:
· Must be between six and 32 characters in length
· Must contain characters from at least two of the following three categories:
o Letters
o Numbers
o Any special characters
· Cannot contain any whitespace (spaces are not allowed: including before, in the middle of, or after the
password)
· Cannot be a substring of the username
Other items to note about passwords:
· Passwords are case insensitive
· Passwords do not expire
· Minimum and maximum password lengths cannot be configured
· There is no policy about password reuse
Can the username and password be the same?
No. The username and password cannot be the same.
Does the password expire?
No. Currently there is no password expiration.
How many phone numbers can be on file to be used for One Time Passcode?
An user can have up to two phone numbers on file for authentication purposes. Each phone number will always have voice as an available channel, and phones can also be optionally enabled for text as a method to respond to an authentication challenge and to utilize the forgotten password feature.
Can email be used for the One Time Passcode?
Yes. The user may choose to receive their one-time passcode via email.
Why am I being asked to go through this security upgrade?
We are upgrading the overall security of your online banking experience. It is our commitment to keep your accounts safe, while adopting the latest security requirements provided by the government. The new user authentication process complies with best industry practices on how to protect you and your finances.
Is there any problem with the security of my bank account?
No, there isn’t. There are new rules for the username and password which must be met due to our security standards. If your previous username and/or password do not meet that criteria, then you will be prompted to change them.
Will I have to do these steps again if I use a different computer or device to access online banking?
No, these are one-time steps.
However, when you log into Online Banking from a different computer or device next, you’ll be sent a one-time passcode that you must enter. The passcode will go to the phone number you set up now, and verifies that you are you, not a fraudster trying to get into your account.
Is my member number changing?
No, your member number is not changing. This is just a change to your user ID and password for logging into your online banking account.
Will I have to do these steps with all my accounts?
Yes, each separate login will require you to go through the enhancement process.
What if I don’t have a phone available? Can I still go through this process?
Yes, you can select to have the code sent via email.
Do I have to have a cell phone to complete this process?
No, you can use any phone that accepts calls or texts. You can also select to have the code sent via email
I don't have a text-capable phone. Can the verification code be emailed?
Yes, you can select to have the code sent via email or you can have it sent via voice.
Can I just get into my account and skip the upgrade process until a later time?
We cannot bypass this upgrade process for you – it’s required the first time you access your account after the upgrade. It will just take a few minutes.
What happened to challenge questions?
The federal regulators do not consider challenge questions to be as secure as a one-time passcode. The security of your accounts is of upmost importance to us, so we are moving from challenge questions to a one-time passcode.
Who do I call for help?
You may call our member services department at 504-889-9090 or 800-647-1689.
