Home Banking Login -- Better security for your accounts

Why is the login page changing?

It is our commitment to you that access to your financial information is appropriately secure. The change you will see on your Home Banking login page is due to enhanced measures to secure Maine Family Federal Credit Union’s web site. If you have any questions, please contact us at 207-783-2071 or 1-800-783-2071. All home banking users are required to complete the security update. This update will not affect your current PIN or account settings in Home Banking or Bill Pay.

Why all this attention to the login process?

While the changes of identity theft or monetary loss are slim, there do exist active malicious entities on the Internet that look to fraudulently gain from unsuspecting individuals. One of the most popular methods of fraud is through impersonating individuals during the login process. It is our intention to make this process as difficult as possible for these fraudsters while keeping your experience as hassle-free as possible.

What we’re asking you to do?

You will need to create three question and answer pairs. This allows us to verify that you are in fact, you, by presenting you with a question that only YOU know the answer to. If you don’t answer the question correctly, you will not gain access to your accounts.

You will also need to create a “Security Key.” This allows you to verify that you have reached our Home Banking site, and not some other site. Every time you attempt to log in to your accounts, we will send you a graphical representation of the Security Key that you created. If you do not see that Security Key or it is not the one you created then you know that you are NOT at OUR site. If this happens, please contact us immediately.

How will the login process work?

1)      Login will become a multiple step process instead of one screen where you enter your Account Number and PIN. You must now enter your Account Number and a Random Code.

2)      You will be asked to answer one of the challenge questions. If you choose to “remember your computer,” (see below) you will bypass this step. Remembering your computer is on the last step of the login process.

3)      The last screen will prompt you to verify the Security Key Image that you selected during the security update and to enter your PIN. You may select to remember your computer here.

What is the Random Code?

The Random Code is an extra security measure to eliminate fraudsters from randomly selecting account numbers. It is randomly generated each time you try to log in.

What is my Security Key Image?

The Security Key Image is used to help you identify our Home Banking as a legitimate site. The text word or phrase will be converted to an image. When you log into Home Banking, you will see the Security Key Image on every page. Use a unique set of characters or words that you can use to identify our Home Banking site. Do not enter any PINs or passwords.

What does “remember this computer” mean?

If you choose to remember your computer, you will not be prompted to answer one of the questions you will set up during the security update. You will still have to enter your Account Number, PIN and the Random Code. You can remember your computer after you have completed the initial login. If you are using a computer that is accessed by numerous users, such at libraries or airport kiosk, we recommend that you do not remember your account on this PC. We only recommend you “remember” your personal computer at home or work.

If you forget your PIN or answers to the challenge questions, feel free to contact us by phone, and we can reset your session. Once you login you can change your questions or Security Key Image.

We appreciate your cooperation in this security update.

Maine Family Federal Credit Union