1. Why is my e-Branch Internet banking log-in changing?
In order to make your online banking experience as secure as possible we are introducing new security features. e-Branch will be the same as it was before, only now you will have an extra layer of security working behind-the-scenes to protect your account. The new security may prompt you to verify your identify before continuing. This means you can now bank online with an even greater sense of confidence.

2. What are the new security enhancements?
The new security features add a layer of protection to your online account by letting you know it’s really us, and letting us know it’s really you.

Letting you know it’s really us – Personalized Image and Name

• You pick one of thousands of images, and then give the image a name to help you identify it.

• Every time you attempt to log into your Arrowhead Credit Union account through e-Branch, your image and name will appear before you enter your e-Code.

• Seeing your image and name will let you know that you are at your genuine e-Branch online banking site and not a fake or fraudulent site. This means it is safe to enter your e-Code. If the correct image and the name you’ve given it do not appear, do not enter any sensitive information such as your e-Code. You should always see your personal security image and name before entering your e-Code or any personal information.

Letting us know it’s really you – Security Questions

• You will be asked to set-up several security questions that only you should know the answers to.

• The security system will recognize the computers you normally use to access e-Branch.

• In the future, if you or someone else attempts to log in to your account from a new or unrecognized computer, the system will need your security questions before being allowed to continue.

3. How do I get started with the new security enhancements?
You will be prompted for a one-time log in to select and name your personal image and select security questions on Tuesday December 19, 2006 or the first time you log-in after that date. You do not need to do anything to initiate this process. When you are prompted, please take a moment to set up your image, name and questions in order to add an additional layer of protection to your account.

4. How should I choose the secret answers to my security questions?
Your answers should be something you can easily remember, yet not readily known by others. Try to avoid using answers that will change over time. If you share account access with anyone else, you may want to establish your security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in. Enter your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions.

5. Where do I enter my e-Code?
Due to the new security feature, you do not enter your e-Code until you see your personal security image and the name you have given it. To begin logging in simply enter your e-Branch account number and click on the Sign In button. You will then see your personal image and its name on the next screen where you can safely enter your e-Code to gain access to your account.

6. How much will it cost?
There is absolutely no cost associated with the new security system. This is part of our on-going commitment to providing Arrowhead Credit Union members with the highest levels of online banking security available.

7. When will I be asked to answer my security questions?
You will only be prompted to answer some of your security questions when you log in from a new PC or the system believes it detects unusual or uncharacteristic attempts to access your account.

8. What is unusual or uncharacteristic behavior?
Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how and where you normally bank online. If the action being requested does not appear to be something you would normally do, or you access your account from a PC you normally do not use for online banking, we will ask you to answer your security questions to make sure it is really you and not an unauthorized person.

9. How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, and the typical security settings for your computer. Hundreds of factors such as these create a profile that is unique to you and allows us to make decisions about whether the person conducting a given activity or transaction within your account appears to be you.

10. Will I be asked for more information all the time now?
No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.

11. How do I know it is working?
After you complete the set-up process, the new security system will work automatically. That means you are being protected every moment — when you are online and more importantly when you are not. Please note that for your protection, we will periodically ask you to update your questions and answers as well.

12. Is my personal information still safe?
Yes. In fact, your personal information is safer than ever before because of the additional security enhancements.

13. How will this help prevent online fraud?
If your account number and e-Code are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the unauthorized person is not able to provide this information, the activity will be blocked. This added layer of security helps us protect your online account at all times. The personal image and name also help you to ensure that you are always logging in to our legitimate e-Branch website, not a fraudulent one.

14. What keeps somebody from stealing my personal security image and name?
We only show you your personal security image and name if you log in from a recognized computer or after you have answered some of your security questions. Therefore an unauthorized person will not have access to your image and the name you give it. Remember: Once you have signed up, NEVER enter sensitive information such as your e-Code without first seeing your personal security image and name.

15. I check my account very often, wouldn’t I know if something
unusual showed up on my account?
It is great that you check your account frequently! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidents from ever occurring, so when you check your account everything is exactly how it should be.

16. I share my computer with someone who has a different account. Can both of us still log-in from this computer?
Yes, you can both use the same computer to log-in to your individual accounts. There is no limit to the number of people that can log-in to various websites from the same computer. However, you should consider choosing security questions that only you will know the answer to.

17. My spouse and I have a joint account. Will we both continue to be able
to log-in to the account?
Yes, you can both continue to log-on to the account as usual. However, you may want to establish your personal image and name, and security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in.

18. Can I change my personal security image and name or security questions?
Yes, you can change your personal security image and name or security questions at any time. To make the change, go to Account Options and select Reset User Profile under the Security option. Please note that for your protection, we will periodically request that you update the information as well.

19. I am trying to log-in from my own computer, but the website is not showing me my personal security image and name. What is happening?
This might happen in rare cases. Before answering a challenge question or entering your e-Code, make sure that you are going to our legitimate website. The easiest way to ensure this is by typing www.arrowheadcu.org directly into your web browser. Then, after you answer the security question, you should see your personal security image and name next to the e-Code field. If your personal security image and name are there, you can be confident that you are at our legitimate website and can enter your password.

Remember: Once you have signed up, NEVER enter sensitive information such as your e-Code without first seeing your personal security image and name.

20. Will my e-Code change due to the new security system?
No. Your personal image and name, and security questions and answers are separate from your regular e-Code, which will not change. To further safeguard your accounts, we do recommend that you change your e-Code frequently.

21. I already have anti-virus software and a personal firewall. Why do I need this?
We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. These new security features protect against another kind of threats such as a stolen e-Code and account information. It works with your other personal security programs, but it does not replace them.