Enhanced Internet Banking Security

Overview

Internet Banking uses several different methods to protect your information. All information within Internet Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Bank of Putnam County. To help protect your privacy while you are using the service, we will sign you out of the Internet Banking service after 20 minutes of inactivity.

At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact Bank of Putnam County's), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.

Secure Socket Layer (SSL) protects data in three key ways:

  • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Bank of Putnam County.
  • Encryption scrambles transferred data.
  • Data integrity verifies that the information sent by you to Bank of Putnam County wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

BPC requires customers to have an additional layer of security when using Internet-based bank products. The Federal Financial Institutions Examination Council (FFIEC) issued guidance this year that describes methods for Internet Banking users. These methods are being put into place to ensure the security of our customers' personal and financial information.


What is Enhanced Security?

Enhanced Security is a free and easy way to help verify that it is actually you logging into your Bank of Putnam County Internet Banking account. This new login feature confirms that you are accessing your Bank of Putnam County online accounts via a computer which you previously authorized.


How does Enhanced Security Login work to better secure Internet Banking?

This feature works by requiring two methods to identify that you are the correct user accessing your on-line accounts. The first method is your user ID and password and the second method is to register the actual computer that you are using for your on-line banking. When you enroll, the computer you are using will simultaneously be registered. Thereafter, you can register additional computers using your Challenge Questions.


What are “Challenge Questions”?

They are a set of twelve questions presented to you when you login to Internet Banking. You will be asked to answer eight of these questions. Your answers should be something difficult for others to guess and easy for you to remember. If you use more than one computer to access your Internet Banking account, you will be asked to answer two of these questions to register your computer.


What is my personalized greeting message?

This is a message that you will see every time you login to your Internet Banking account. This message will let you know that you are at Bank of Putnam County's website.


What if I forgot my Challenge Question answers?

Please call us at (931) 528-5132. Our Internet Banking Administrator can reset your Challenge Questions for you. Then you can go on-line and choose new Challenge Questions and enter your answers.


What if I access my Internet Banking accounts from more than one computer?

You can register as many computers as you like into Enhanced Security (your home, office, relative's computer, etc.) so that you can bypass the Challenge Questions upon subsequent logins.


How does the Enhanced Security feature “register” my computer?

The Enhanced Security feature stores an encrypted cookie-based credential onto any computer you choose to register.


What happens if this cookie is deleted from my computer?

If you delete this cookie from a computer which you wish to use for your Online Banking accounts, you will be prompted to enter your Challenge Questions as if it were an unregistered computer. You will then be able to register it again. If you purchase a new computer, it too, will need to be registered to obtain the encrypted cookie.


What if I do not allow cookies?

If your computer is set to block all cookies, you will be unable to log into your Internet Banking account.


Where should I go for more information or answers to my questions on the Enhanced Security feature?"

You can call our Internet Banking Department at (931) 528-5132 for any questions and/or concerns.