Online Security Guidelines
We know security and convenience are important to you. That’s why we are updating our online banking sign in and verification process. We will be transitioning customers in phases to the new security system throughout 2016. In the next few months, you will receive a notification when you log in to online banking with instructions on how to complete your update. You will experience this update process with all UMB accounts you access online.
What to Expect:
Security is a partnership, we need you to enroll in the enhanced sign in and verification solution, which includes updated credentials and authentication standards. You will be prompted from the log in screen to make the change and you will need to complete the transition by the deadline displayed. After the listed deadline, if you still have not adjusted your credentials, you will be unable to access your account online until the security set up is complete.
Setting up your enhanced security is fast, easy and takes approximately five minutes to complete. After you have entered your User ID and password in the enrollment process, you will be prompted to begin setup.
Select and answer five authentication questions from a list of up to 30 question choices.
To choose a question, click the drop down list and select a question from the displayed list. Type your answer to the selected question in the answer space. Answers are not case-sensitive.
A valid answer should meet the following requirements:
- Must be at least
three characters in length
- Consist of only letters and numbers and does not contain special characters (such as
" , " !)
- May not match your User ID
Click on the Submit button to save your responses.
You will experience this update process with all UMB accounts you access online.
Next, you will be prompted to change your password. New passwords must meet stronger criteria.
- Must be at least 8 characters long.
- Must contain at least one:
- Upper case letter
- Lower case letter
- Of those characters, at least three must be different.
- A character can be repeated up to two times.
- Passwords are case sensitive
- Cannot contain any space including before, in the middle of, or after the password
Like all passwords, it is important to keep your online banking password confidential.
Click on the Submit button to complete.
Am I able to access my security settings in online banking to make this update?
No. The only way to upgrade your system is to initiate changes from the notification window that appears after logging in. If you bypass the notification window after logging in to online banking, changes you make to your authentication questions and password do not constitute an upgraded security. You must upgrade through the notification window security steps.
What are authentication questions?
Authentication questions are an online security feature that provides an additional layer of protection from fraud and identity theft by preventing unauthorized access to your secure financial information.
When the online banking system detects that you are trying to log in to your account from an unregistered computer, one of your secret, pre-chosen authentication questions will appear. These questions are used to prevent unauthorized access to your account, even blocking access to someone who may have discovered your password. Because only you know the answer to the authentication questions, we will know it’s really you attempting to log in. Generally, you will only be asked to answer a secret question when you log in for the first time from a new computer.
After you correctly answer the authentication question, you will be asked whether the system should remember this computer for future logins. If you are using a public computer, it’s safer to answer no. If you are on your home, or a private, secure computer, you may be more inclined to answer yes.
Why do I need to use authentication questions?
Authentication questions allow us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we don't recognize your device, you will be prompted to answer the pre-set authentication questions.
When will I be asked to answer one of my authentication questions?
When you log in, we may require you to answer a randomly chosen question from the authentication questions you previously set up.
How do I choose the best questions and answers?
The best authentication questions and answers should be stable, consistent, secure and memorable to YOU. Everyone is different, so we give you up to 30 questions to choose from.
- Stable: Unlikely to change over time.
- Strong: “What is your mother’s maiden name?”
- Weaker: Questions like “What is your favorite restaurant?” where the answer may change over time.
- Consistent: Can only be answered one way.
- Strong: “What was the model of your first car?
- Weaker: Questions like “Where did you go for your honeymoon?” where the answer could be a city, a state, a resort, etc.
- Secure: Low probability that someone can figure it out. For instance, the information is not available on social media sites or websites.
- Strong: “What school did you attend for seventh grade?”
- Weaker: “What university did you attend?” because that is more commonly known and frequently posted on social media sites
- Memorable: Easy to remember.
- Strong: “What was the name of your first pet?”
- Weaker: “What is your driver’s license number?” because most people do not have that memorized and it would be easy to type incorrectly.
When logging in, I am asked if the system should remember my computer. What are the benefits to answering yes?
Answer yes to this question if the computer you are using is one that you regularly use to access your online banking accounts. Please do not answer yes if you are using a public computer, such as one located in a library, Internet café or hotel business center.
When you choose to have the system remember your computer, you may not be required to answer an authentication question whenever you log in from this computer.
What if I incorrectly answer a security question when prompted during log in?
You can't access your account online until you correctly answer an authentication question. We may lock your personal ID if an incorrect answer is submitted, which means you will not be able to access your accounts until your account is unlocked.
If your user ID is locked, select "Login Assistance" and follow the steps to generate a temporary access code, or contact UMB at 800.699.8702.
or answers to your other authentication questions