Effective January 31, 2008

The security of your accounts and personal information is our highest priority. In order to make your COPFCU Home Banking experience with us as secure as possible, effective January 31st, we are introducing Enhanced Home Banking Security.

Enhanced Home Banking Security protects your accounts from unauthorized access by adding an additional layer of protection to your accounts. It identifies you as the true owner of your accounts, and lets you know that you're at our legitimate COPFCU Home Banking website. Best of all, with Enhanced Home Banking Security, your accounts will be protected no matter what computer you're using, whether you're at home or on the go.

Here's how Enhanced Home Banking Security will work:

Beginning on January 31, 2008, when you try to log in to COPFCU's Home Banking system, you will automatically be prompted to register for Enhanced Home Banking Security. During the registration process, you will be required to select a secret image and phrase as well as choose three security questions and provide answers to those questions.

After you have completed the registration process, whenever you log in to COPFCU's Home Banking system, you will enter your account number and pin on the first page. Then, when you see your secret image and phrase on the second page, you can be confident that you are at our real home banking site and that it is safe for you to enter your password. (It is important to make sure that you never enter your password without first seeing your personal image and phrase.)

During the registration process, we will also take steps to recognize your computer. If we do not recognize the computer you are using - because you are logging in from a public computer or one you haven't used before - we will ask you to verify your identity by answering your security questions. You can choose to have the system remember your computer so that you will not have to answer your security questions in the future; however, you should NOT allow the system to remember your computer if you are using a public computer (i.e., a computer at a library, an internet café, etc.).

For additional information on Enhanced Home Banking Security, see our FAQs (Frequently Asked Questions) or call us at (513) 381-2677.