Online Banking Multi-Factor Authentication

Protecting your personal financial information is our top priority at City State Bank. As part of building on our security efforts, the Bank offers an extra layer of protection for our Online Banking Customers called Multi-Factor Authentication.

Multi-Factor Authentication is a security feature which may occasionally prompt Online Banking users to answer 3 verification questions.

New City State Bank Online Banking customers (as well as existing customer who may not have logged into online banking in some time) will be asked to choose their 3 verification questions at Login. The verification questions will ask about things that you would easily know about yourself - but that no one else would necessarily know.

As always, please safeguard your Online Banking Teller ID and PIN and be alert for fraudulent e-mails or phone calls asking for personal information.

Questions? See the Frequently Asked Questions below or call your nearest City State Bank branch location today.

Frequently asked Questions

• Why is City State Bank adding Multi-Factor Authentication to my account(s)?

All financial institutions were required to implement enhanced identity authentication methods for internet-based services by year-end 2006. Requiring the entry of a NetTeller ID and PIN at login offers one layer of authentication. Multi-Factor Authentication offers an additional and enhanced layer of protection.

• How will I know when I have Multi-Factor Authentication on my account(s)?

Multi-Factor Authentication was rolled out to City State Bank online banking customers over a 3 month period beginning 12/23/06. Customers are prompted at login to select and answer 3 verification questions. After doing so, there will be a screen that confirms that your verification settings have been saved. You will then simply click a "Continue" button to continue your online banking session.

• How often will I be prompted to answer verification questions?

This will most likely be a rare occurrence. The online banking system will monitor how you access and use City State Bank Online Banking. Using this information, the system identifies what qualifies as uncharacteristic or unusual behavior. If such account activity occurs, you will be asked to answer your 3 verification questions.

• What happens after I am prompted to answer verification questions and they are answered correctly?

You will be directed to the page you requested and continue your Online Banking session.

• What happens if security questions are answered incorrectly?

You have 3 chances to answer the questions correctly. After 3 failed attempts, the user will be prevented from completing their current online banking activities and will be blocked from logging in. Authorized users who have been locked out should contact their local City State Bank branch office.

• Is there a charge for Multi-Factor Authentication?

There is no fee for Multi-Factor Authentication and City State Bank's Online Banking service is still free.