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Coming Soon:
Risk-Based Authentication
The security
of your personal and financial information
is Heartland’s top priority. In the coming
weeks, we’ll take that security to the next
level with Risk-Based Authentication.
Risk-Based
Multifactor Authentication uses a
Transparent Two Factor technology that works
behind-the-scenes to authenticate all users
and logins based on individual user and
device profiles.
In addition, Risk-Based Authentication uses
a Risk Engine tool to estimate the level of
risk for the specific activity. If a
high-risk is detected, you will be prompted
for authentication via challenge questions -
helping protect your account from being
accessed by unauthorized users.
This new verification method replaces the
previous online banking verification process
and is more streamlined - saving you time.
How
Will This Affect Me?
Collection Period
During the collection period you will see an
introduction screen once you login to online
banking informing you that we are
implementing new measures to increase your
online security. You will be asked to select
five questions from a list and
then provide your answers, these are
known as your Challenge Questions.
You can choose to "skip" setting your
Challenge Questions but will be asked again
in seven days. You can "skip" two times but
will be required to set your Challenge
Questions the third time.
These Challenge Questions are presented to
verify your authenticity if the system
suspects it is not you logging in.
Every 180 days you will be asked to verify
or change your questions to ensure all of
your information is current.
Authentication:
Authentication occurs if the system suspects
it is not you logging in. During
Authentication two of the five Challenge
Questions you set will be asked to verify
your identity. You are given three attempts
to answer both questions correctly. If
you answer the Challenge Questions correctly
you will be logged into your online banking.
If you do not you will be locked out and
will need to contact us.
Please remember
that Heartland will NEVER request any
personal information from you via email. We STRONGLY
recommend you use a guarded practical
approach before providing any personal
information. If
you have questions or concerns, please
contact us immediately at
info@heartlandcu.com or (651)
451-5160 or (800) 813-9185. |
