What is Identity Verification?
Online security is a joint effort between SCCU and its members. Identity Verification is a new
feature within Online Banking that allows members to prevent unauthorized access to their accounts. Identity Verification uses
security questions to verify your identity. You set the answers to something that only you know. Access to
your accounts is protected by security questions when you:
- Log in from a different computer
- Log in using a different browser
- Log in from a different location
- Log in at a time outside of the times you normally use Online Banking
When will I be asked to enroll in Identity Verification?
Starting in February, we will be asking every Online Banking member to enroll. Groups of members will be selected to enroll
during different time periods so that we may provide the best support. For existing Online Banking users, you will be randomly
selected to enroll at some point during the months of February through March 2008. If you are setting up Online Banking for the
first time, you will enroll as part the initial setup steps.
Why do I need to set up Identity Verification security questions?
This feature makes it difficult for someone to gain unauthorized access to your accounts, even if they have stolen your Username
and Password. For Identity Verification to work effectively, you must first setup security questions with answers that only
you know. Then the system can verify you are who you say you are by matching your answers to those you previously gave. Identity Verification
is becoming a standard within the financial industry.
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How do I set up my Identity Verification security questions?
New Online Banking users will set up their security questions at the time they enroll in Online Banking.
Existing Online Banking users will be prompted to set up security questions at the time of login.
- Select 5 different security questions from the dropdown lists and enter an answer that you will remember for each selected
question in the corresponding textbox.
- Your selected questions can not be the same. Answers are not case sensitive.
- Use only the letters a-z, A-Z, and the numbers 0-9. Do not use special characters, such as %`;”<>{}\
- Do not share your questions or answers with anyone. Note that we will not be able to provide you with these answers.
- Click Continue to save your selected questions and answers.
The next time you log in, you may be presented with one of the security questions you selected. Enter the correct answer to the question, click continue, and you will be granted access to your account.
Why haven’t I been prompted to enroll in Identity Verification?
Groups of members will be selected to enroll during different time periods so that we may provide the best support. For
existing Online Banking users, you will be randomly selected to enroll at some point during the months of February through March 2008.
Do I have to set up the Identity Verification security questions to access my account?
Yes. We are requiring all Online Banking users to use this additional protection feature to prevent unauthorized account access.
Do I have to change my Online Banking Username or Password?
No. The security questions are an additional layer of defense, along with your existing Username and Password.
Will I be asked a security question every time I login to Online Banking?
No. Occasionally, on a random basis, you may be asked a question when you use a recognized computer. Incorrect answers will prevent you from accessing your account. If this should happen, please call the Member Service Center for assistance.
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When will I get challenged with a security question?
You will get challenged based on a periodic basis and based on several factors such as when you:
- Log in from a different computer
- Log in using a different browser
- Log in from a different location
- Log in at a time outside of the times you normally use Online Banking
Are the answers to the Identity Verification security questions case sensitive?
No. If you type your answer in all uppercase or lowercase letters, the system will be able recognize your answer.
Can I use symbols in my security question answers?
We request that you use only the letters a-z, A-Z, and the numbers 0-9. Do not use special characters, such as %`;”<>{}\
Can I change my Identity Verification security questions?
Yes. You can change your security questions at any time. When you login to Online Banking:
- Go to the Additional Services tab at the top.
- Navigate to the Preferences Section.
- Select Manage Identity Verification Security Questions Answers from the list.
- Edit and save your questions.
Will I still be able to access Online Banking from other computers?
Yes, you can access Online Banking from any computer. If you login from an unrecognized computer, you will be prompted to answer one of your security questions.
What if I have a joint owner on my account?
If you have a joint owner on your account, you may want to jointly set up the security questions and answers. Alternately, you can set up your joint owner with Family Banking.
Can I use another browser besides Internet Explorer, Netscape, or Mozilla?
Yes, FireFox, Safari, and most NCSA Mosaic based/XHTML 4.0 compliant browsers can be used in addition to Internet Explorer, Netscape, and Mozilla.
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I can’t remember the answer to my security question. What should I do?
Contact the Member Service Center
Brevard: 321-752-2222
Toll Free: 800-447-7228
Fax: 321-723-3716
Are Identity Verification security questions the same as my forgotten password security questions?
No. Although the questions may seem similar, these are two separate systems. Forgotten password security questions are for password recovery only. Identity Verification security questions are an additional layer of security to prevent unauthorized account access.
I am locked out of Online Banking. How do I unlock my account?
Contact the Member Service Center
Brevard: 321-752-2222
Toll Free: 800-447-7228
Fax: 321-723-3716
I can’t remember my password to access Online Banking. What should I do?
You can utilize the Password Reset mechanism to reset your password.
Who is responsible to keep my Online Banking access secure?
Online Banking security is a joint effort between SCCU and its members. SCCU carefully follows industry standard security practices to protect your account information from falling into the wrong hands. The other critical factor in Online Banking security is our members. Members must actively protect their login information and keep their computers virus-free with up-to-date security software. Members should never open email attachments from unknown senders.
