Skip Navigation
Close
KCB Mobile App and Internet "e-banking" system upgrade

These new systems will be effective August 5, 2020 ...Learn More

FAQ - Enhanced Login Security for Online Banking Image

FAQ - Enhanced Login Security for Online Banking

Q: What is Enhanced Login Security?

A: Enhanced Login Security is an online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security helps prevent unauthorized access to your accounts and secure financial information. Kearny County Bank utilizes a One-Time Passcode method for enhanced login security. You will be required to provide at least one telephone number for use with our Enhanced Login Security product.

Q: What is a One-Time Passcode?

A: This is a randomly generated six-digit number sent via text or automated voice call which allows a user temporary access to Online Banking.

Q: Why do I need to use Enhanced Login Security?

A: Enhanced Login Security will 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 computer, we will request additional information that is possessed only by you, to ensure authorized access.

Q: How does Enhanced Login Security work?

A: You will need to add extra security to each computer that you use for online banking. This can be done easily upon login. Whenever you login from a computer that you have added extra security to, you will automatically have additional protection, and notice no difference in the way you login. However if you login from a different computer than the one you have added, you will be asked for additional information in order to login. Please note that if you use multiple browsers within the same computer you will need to add extra security to each browser separately. In order to do this you will need to log in with the additional browser that you would like to add extra security protection to and click on the "Register" button after entering your security passcode.

Q: How do I update my telephone numbers for Enhanced Login Security?

A: Once you have logged into Online Banking, click on the "My Settings" link in the upper right hand corner of your screen. Any phone numbers you have registered for Enhanced Login Security will be displayed. If you only have one telephone number registered, you must first add a new number then delete the existing one. If you have two numbers already registered, delete the number you wish to change and add a new number.

Q: How do you recognize my computer?

A: When you add extra security to your computer, a secure cookie (piece of code) will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by Kearny County Bank to validate your identity and does not contain any personal information.

Q: What will adding extra security protection do for me?

A: Adding extra security protection to your computer allows us to recognize your computer along with your normal login information, which helps add additional protection from unauthorized access to your accounts. If someone were to get your login information and try to access your account from their computer, having extra security protection will stop them from gaining access because they will be asked for information that only you have, and would not have that information.

Q: What can I do to make logging in easy?

A: To make your login into Online Banking easy, we recommend that you add extra security protection to each computer that you will regularly use to access your account. Remember that, until you add extra security to a computer, we will ask you for additional information that only you can provide. If you are asked for additional information you can choose to "Register" (add extra security protection) your computer from the same page.

Q: What if I don't want you to place a cookie on my machine for recognition?

A: It is completely your choice as to whether or not you would like to register a computer (place a cookie) for future recognition. If you choose NOT to register your computer, you will be required to provide additional information (One-time passcode) each time you log into Online Banking from that machine. We do not recommend registering a device that is publicly accessible or one on which there is no adequate security in place.

Q: Can I login from multiple computers and browsers?

A: Yes, you can login from as many different computers and browsers as you like. If you login from a computer that you haven't added extra security to, you will be asked for additional information so that we can verify that it's really you. If you provide this information correctly, you will have the option to add extra security to that computer, and avoid being asked for this extra information again. Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.

Q: Can I still login to my account from anywhere?

A: Yes, this feature does not prevent you from logging in from any computer. If we do not recognize the computer that you are using then we will simply ask for additional information that only you have before allowing you access. Please note that you will need to have access to one of the telephone numbers that you have registered for enhanced login security.

Q: Why do I keep getting asked for extra information when I login from a computer that I have already "Registered" and added extra security to?

A: This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your machine. This is a common method that Spyware blocker software uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for additional information at each login, the secure cookie that we use to identify your computer must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for additional information at each login.

Q: I share my computer with someone that also uses Online Banking. Can both of us still login from the same computer?

A: Yes. You can use the same computer to login to your individual accounts safely. You will not be able to access each other's information. This is because your secure cookie is linked to only your login information. There is no limit as to how many secure cookies can be installed on the same computer. Just remember to never share your User ID or Password with anyone.

Back to Top