By January 1, 2007, all federally insured financial
institutions were required to implement a 2- factor
authentication system. The traditional single factor
system using only account number and password
for allowing access to personal information is now
considered inadequate. The new law does not require
or specify any one way to do this. Instead, it lists
many ways that may be used to accomplish this. We
have selected what we believe to be the simplest and
least intrusive method.
To login to Home Banking, you type your account number
and Personal Identification Number (PIN) as
you always have, with no added steps. When you try to
access your account from an unknown machine
(all computers since we are just starting), you will be
required to choose 3 different questions and
provide answers to each.
At this point, you have a choice as to whether or not
you consider the PC you are at is one that you want
to be a secure PC.
If you are using a public PC that you would not want
anyone else to be able to access your account from,
you would not specify it as a secure device (you would
answer NO to the question: Do you want us to
remember this computer so you can avoid answering
challenge questions the next time you log in?).
If you are using a home PC or one at work that you have
complete control over, you could specify it as a
secure device. Un-secure devices will always require you
to answer at least one of the questions you
previously chose correctly.
Secure devices (which you answered YES to the question:
Do you want us to remember this computer so
you can avoid answering challenge questions the next
time you log in?) only require you to choose and
answer the three questions initially. You will not be
required to answer the questions again when using
that computer, thereby not burdening you again with any
additional steps. Please note that if you ever
delete cookies on your computer, it also removes the
secure status. The next time you login to Home
Banking, you will have to answer correctly at least one
of the original questions you chose. Your answers
are not case sensitive.
In the event you do not answer at least one question
correctly after three attempts, you will be temporarily
locked out for a period of 10 to 20 minutes. If you do
not remember any of your answers to the questions
you answered, you will need to contact Homeport at (361)
986-9733.
You may change your questions by clicking on the
settings link and choosing different questions and
answers
after you are logged on to your account.
Homeport Federal Credit Union is committed to providing
you the highest level of security possible.
Please contact any of our staff members at (361)
986-9733 or (361) 881-8300 if you have any questions.
