Multi-Factor Authentication FAQ

Frequently Asked Questions about Multi-Factor Authentication

Do you have a question about the new Multi-Factor Authentication? We have compiled the following answers from some of the most commonly asked questions. If you are unable to find your answer here feel free to call us locally at (850) 638-8378.

What is Multi-Factor Authentication?

Enhanced Security Login (ESL) is a new feature for Community South online branch users that gives our members and their accounts an additional layer of protection from fraud by using more than one method to confirm their identity.

Why is Multi-Factor Authentication necessary?

The Federal Financial Institutions Examination Council (FFIEC) has determined that the security provided by a single password may be defeated with new technology being employed by high-tech hackers of today. In response our regulators have mandated that enhanced security precautions be implemented to increase online safety and make accounts more secure while preventing spoofing attempts by look-alike websites.

How does it work?

Our online branch login will only ask for an account number. After typing in your account number, your password will be requested on the second screen. The account number and password will be validated. Then, you will be asked to register your computer and complete a simple questionnaire.

How many computers may I validate?

You may validate more than one computer. However, we recommend that you validate only trusted computers over which you have control, such as your home computer.

What is a 'cookie'?

A cookie is data sent to your computer by a web server that records your actions on a particular website. It's a lot like a preference file or a profile. When you visit the Community South online branch after being sent the cookie, our site will load certain pages according to the information stored in the cookie.

Do I need to change the settings on my computer?

You may need to change your Internet privacy and/or security settings to accept third-party cookies for all sites or, if possible, specifically for our website at CommunitySouth.net

How do I enroll additional computer(s)?

When you login to from a computer that has not been validated you will be asked if you wish to "Validate this computer now" after entering your security code using the onscreen keyboard and your mouse. It's that easy! Note - We do not recommend validating computers accessible by others not authorized to access your accounts (e.g., your local library or at work).

How do I login from a computer that has not been enrolled?

When you attempt to access the Community South online branch from a computer that has not been validated and does not have a secure cookie, you will be asked to enter your security code using the onscreen virtual keyboard and your mouse. Correctly typing in the security code allows you to access the Community South online branch.

Why do I have a password as well as a security token?

Your PASSWORD is used to access the Community South online branch while a security code is used during the login process if logging in from a non-validated computer. It is not recommended that you use the same alpha-numeric string for both your PASSWORD and security code.

Am I required to activate Multi-Factor Authentication?

To comply with federal regulatory guidelines, beginning on January 1, 2007, activating this additional level of security will become mandatory for all Community South online branch users.

I use more than one browser (e.g., AOL and Internet Explorer) on my computer(s). Which one should I use to register with?

You should validate your computer from both browsers to ensure the secure cookie is detected upon login.

I have a joint account. Does the co-owner on my account need a separate password, security code, and site verification phrase?

No. Each account has only one password, security code, and site verification phrase. If you have joint owners on your account who need access to the online branch, they will need to be aware of the Enhanced Security Login procedures and specific requirements for your account.