How does Security Plus work?
When you sign up for account access, you'll select and name a security image, known only to you. When you log on, we'll show you this image so you know you're accessing CFCU’s PC Access, not an impostor site. It's a way for CFCU to identify itself to you and you to CFCU.
We also check the computer that you're using. We're able to recognize your computer, even if you use multiple ones—such as your work and home machines—to access our website. If you log on from a different computer, we'll take additional steps to verify your identity, such as requesting that you answer one of your security questions.
Why has the logon to my PC Access account changed?
CFCU is providing added security to help ensure that only you can access your PC Access account. Our logon incorporates a captioned image that is known only to you and CFCU. When you see your image, you can be confident that you're on CFCU’s PC Access and not an impostor site and can safely enter your password.
In addition, PC Access can "remember" which computers you regularly use, helping to prevent potential fraudsters from logging on to your account even if they get your username and password.
Why do I need this enhanced security?
Criminals today create impostor sites, impersonating legitimate websites so they can steal your personal information. CFCU is committed to proactively protecting you when you do business online with us. This enhanced logon helps us safeguard your information.
How is this logon more secure?
This logon protects you from accidentally revealing your username and password to an impostor site. In addition, if someone does get your username and password, that person will not be able to access your account without answering a security question, since that person is likely not accessing our website from your recognized computer.
What keeps someone from stealing my security image?
We only show you your security image if you log on from your own computer, or after you answer a security question, making it very difficult for an unauthorized person to get your security image.
Has my password changed?
No. Your PC Access password is separate from the image, caption, and security questions.
How do I know I'm on the authentic PC Access website?
When you enter your member number from a recognized computer, we’ll show you your security image and caption. At that point, you’ll know you’re on the authentic PC Access website and can safely enter your PC Access password.
Why do I need to set up security questions?
We use the security questions as an extra layer of protection, helping to prevent unauthorized people from accessing your accounts. If someone has your username and password, they likely won't know the answer to your security question.
Also, if you log on from a computer we don't recognize (for example, if you log on from a public computer in a library – which we do not recommend), we'll ask you a challenge question to verify your identity.
Why am I being asked a question when I log on from a different computer?
We ask you a security question when we detect you're trying to log on from a different, unrecognized computer. Since only you know the answer to your security questions, we can confirm your identity.
Generally, you'll be asked to answer a security question only when you log on for the first time from a new computer. After you answer the question, you can indicate that the computer is one you'll use regularly and PC Access will recognize that computer for future use. If you're using a secure personal computer, you should take advantage of this feature. If you're using a public terminal, such as a library computer, to access your accounts, which we do not recommend, you should not have CFCU recognize the machine.
Can I access my account from multiple computers?
Yes, you can access your PC Access account from any number of computers. If you log on from a new computer, you'll need to answer one of your security questions. There's no limit to how many different computers you can use to log on to your account.
Is this process easy to use?
This logon is extremely simple. You don't need to memorize anything new—just use the site as usual and verify your security image before logging on.
Can more than one person log on to the PC Access website from the same computer?
Yes, multiple people can log on using the same computer. Each person who logs on to PC Access will see his or her security image. There's no limit to how many people can log on to our website from the same computer.
What if my password is stolen? How will this security protect my account?
If an unauthorized person tries to log on with your username and password, we likely won't recognize the computer he or she is using, so we'll ask that person one of your security questions. Since only you know the answers to your security questions, the individual will not likely be able to log on.
Can I change my security image or questions?
To change your security image or questions, please contact CFCU to have your Security Plus enrollment reset. Once this has been done, you will need to complete the Security Enrollment process to choose a new security image and questions.
Can I use my own security image?
No. PC Access doesn't support the use of custom images. You must choose an image from our image library.
How do you know I am logging on from my own computer?
When you log on for the first time from a new computer, we put a secure (encrypted) cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. The cookie is visible only to the PC Access website and does not contain any of your personal information. When you log on again, your Web browser sends us this cookie, letting us know you're using a recognized computer.
Why am I being asked a question when I log on from my own computer?
If we ask you a security question after you enter your username, CFCU doesn't recognize the computer you're using. This may happen if you have deleted cookies from your computer.
If you answer your security question correctly, you'll see your security image, letting you know you're safely at PC Access and can enter your password.
What if I deleted the cookies on my computer?
If you deleted the cookies on your computer, we can use a secondary authentication process (known as a Flash object) to recognize your computer. If, however, you do not have Flash installed or enabled on your computer, CFCU won't be able to recognize your computer and you'll have to answer a security question before logging on.
Does the enhanced logon use Flash objects?
Yes. We'll use Macromedia Flash objects to identify your computer if you have Macromedia Flash installed on your computer and we can't identify your computer's cookies. Using Flash objects as a secondary authentication method helps ensure you can log on as quickly and conveniently as possible.
What is a Flash object?
Macromedia Flash objects store data on your computer, similar to cookies. If you deleted all your cookies and you have Macromedia Flash installed, we can use Flash objects to recognize your computer. This allows us to identify you without you having to answer one of your security questions.