Managing User IDs and Passwords

Although User IDs and Passwords are a convenient way of protecting system access, users often put their accounts in jeopardy by carelessness or improper use of User IDs and Passwords. It is important that you choose and use User IDs and Passwords carefully and to protect the confidentiality of these items at all times.

 

Tips to consider:

  • A strong User ID and Password is an important step in protecting your confidential information.  A strong Password is one that is difficult for others to determine by guessing or by using automated programs.
  • Your User ID and Password should be different.
  • Your User ID and Password should be a combination of upper and lower letters, numbers and special characters.  The longer they are, the stronger they are.
  • Consider using unique User IDs and Passwords if you access more than one bank’s online banking.  By using the same User ID and Password with every bank, if you become a victim of Internet fraud, all of your bank accounts could be affected.  While it’s more convenient to have just one standard User ID and Password, you put yourself more at risk.
  • When choosing a User ID, avoid using your first or last name or a combination of the two.  By using your first or last name, it makes it easier for someone to guess at your User ID. 
  • Make sure you don’t use the word “password” for your Password!

 

  • Change your Password immediately if you think someone may know it.  The same goes for your User ID.
  • Choose a hard to break password. Don't select a password that would be easy for someone to guess such as your birthday, anniversary date, phone number, etc.
  • Protect your User ID and Password. Don't write them down. If you need to write them down, make sure you keep them stored in a locked location without any other identifying information (E.G., bank name, User ID, etc.).
  • Never reveal your Password to anyone.
  • Don’t use the portion of your e-mail address before the @ symbol as your User ID or Password.
  • Change your User ID and Password regularly and avoid repeating the previously used passwords. Even a strong password can be guessed. People who have enough time and computing power can eventually determine any password.
  • If you register an external account for our Funds Transfer Service in Online Banking, you may be asked to provide your Online Banking User ID and password.  It is your decision if you want to provide it – otherwise you can choose another method to register your accounts for Funds Transfer.  More and more websites are featuring this option as a way to get immediate action – choose carefully whether or not you decide to do this.

Remember that these tips apply not only to Online Banking, but also to your debit card and Personal MoneyLine Passwords.