ENHANCED ONLINE SECURITY FEATURE

Dear Online Banking Customer,

Dean Bank is pleased to introduce our new form of online account protection. This security feature replaces our previous Matrix system as an equally secure but more user-friendly form of multi-factor authentication to verify your identity.

This new security feature will watch for unusual or uncharacteristic behavior regarding your Online Banking access. In the rare event that any “out of the ordinary” activity is detected, you will be asked to answer security questions to make sure that it’s really you attempting to access your accounts. Most of the time, you won’t even notice the added security is there, however, you can rest assured your online accounts are always protected.

Over the next few months, you will be prompted to provide us with some additional information while signing in. You will be asked to choose security questions only you know the answer to. This will only take a few minutes.

Once you submit this information, the added layer of security begins protecting your account.

If you have any questions regarding this new Enhanced Online Security Feature, please refer to the FAQ’s located below, or please do not hesitate to call your local branch.

FREQUENTLY ASKED QUESTIONS REGARDING
THE ENHANCED ONLINE SECURITY FEATURE

Why is my online banking experience changing?
In order to make your online banking experience as secure as possible we have introduced a different new security feature. Online Banking customers that were previously inconvenienced by the Matrix card will no longer need to access this each time they log on. 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 ease and the same level of confidence.

What is this new security system?
As our customer, we know how you typically behave, such as when and from where you access online banking. 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 ensure it is you and not someone else trying to access your information. This will only happen on rare occasions. Normally you will not be asked for any information beyond your Sign-On ID and Password. For example, if someone tries to sign in with your Sign-On ID 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 that it is really you trying to access your account.

How do I sign up for the new security system?
You do not need to sign up as all users will be automatically enrolled. Expect to be prompted at some point while banking online to choose several security questions that only you know the answers to. This will only take you a couple of minutes to complete. Once you submit these questions and answers you have added a layer of protection to your internet banking access! Keep in mind that we will not ask you for your account number or your social security number – information that we already have.

How much will it cost?
There is absolutely no cost associated with the new security system. 

When will I be asked for more information?
After you are first prompted to set up your security information, you will be prompted to update your questions every 180 days for your security. Besides these updates, you will only be prompted to answer questions 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. We will not ask you to answer questions that you did not choose and provide answers to when setting up your security information.

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 action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.

How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as 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 person conducting a given activity appears to be really you.

Is my personal information still safe?
Yes. In fact, your personal information is as safe as ever because we are making sure it is really you and not an unauthorized user trying to access your information. That means you are being protected every moment — when you are online and more importantly when you are not.

How will this help prevent online fraud?
If your Sign-On ID and Password are stolen, the fraudster would have to be able to answer your security questions correctly. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your information.

I check my account very often, wouldn’t I know if something unusual showed up on my account?
It is great 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 incidences from ever occurring, so when you check your account everything is exactly how it should be.

I share my computer with someone who has his or her own account. Can both of us still log in from this machine?
Yes, you can both use the same computer to login to your individual accounts. There is no limit on how many people can login into the website from the same computer.

I already have anti-virus and a personal firewall. Why do I need this?
We are glad to hear you use anti-virus and a personal firewall. Be sure that you 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 Sign-On ID and Password. It works with your other personal security programs, but it does not replace them.

Tell us…What do you see?
For more information on any of our products and services, to provide us with your comments or feedback, or simply to tell us about your own dreams and visions so that we can help you get there, please use our information request form, or call any of our offices.