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Customer Log in
  1. Where is the text box for my password?
  2. What is Online Authentication?
  3. Why do I need Online Authentication?
  4. How is Online Authentication more secure?
  5. Why am I being asked a question when I try to log-in?
  6. How do you know I am logging in from my own computer?
  7. Can I access my account from multiple computers?
  8. I share my computer with someone who has their own bank account. Can both of us still log-in from this machine?
  9. What happens if someone steals my password? How will Online Authentication keep them from accessing my account?
  10. What is Phishing?
  11. What is Trojan or Key Logger?
  12. How does Online Authentication protect me from a Trojan or Key Logger?
1. Where is the text box for my password?
Your online password will now be entered on a subsequent page following the entry of your User Name. This change was required due to the implementation of an enhanced online security feature. Please enter your User Name and click "Continue" and you will go to the next page.
2. What is Online Authentication?
Online Authentication provides you added safety by helping ensure that only you can access your bank account.
3. Why do I need Online Authentication?
Online Authentication is an enhanced security feature that helps protect you while you access your on-line account. On the Internet today, fraudsters attempt to steal your identity by impersonating the web sites you trust. Nationwide Bank is committed to proactively protecting you, our customer, against such attacks.
4. How is Online Authentication more secure?
Online Authentication protects you from accidentally revealing your User Name and password to a fake site. In addition, if someone does somehow get your User Name and password, they will still not be able to access your account because they are not at your registered computer(s).
5. Why am I being asked a question when I try to log-in?
You will be asked a challenge question, when it’s detected that you are trying to log-in from a new computer. This is to prevent someone with stolen passwords from logging into your account. Since only you know the answer to the questions, we will know it’s really you. Generally you will be asked to answer a challenge question only when you log-in for the first time from a new computer.
After you answer the question, you will be asked whether this computer should be remembered for future log-ins. If you are using a personal computer, you should answer yes. If you are using a public terminal, you will want to answer no.
6. How do you know I am logging in from my own computer?
When you log-in 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 bank web site and does not contain any of your personal information. When you log-in after that, your web browser sends us this cookie. This lets us know that this is your computer.
7. Can I access my account from multiple computers?
Yes, you can still access your bank account from any number of computers. If you log-in from a new computer or a public terminal, you will just need to go through one extra step of answering a challenge question. This helps protect you by keeping unauthorized people from accessing your information. There is no limit on how many different computers you can use to log-in to your bank account.
8. I share my computer with someone who has their own bank account. Can both of us still log-in from this machine?
Yes, you can both use the same computer to log-in to your individual bank accounts. There is no limit on how many people can log-in into the bank web site from the same computer.
9. What happens if someone steals my password? How will Online Authentication keep them from accessing my account?
When someone tries to log-in using your stolen User Name and password, we will recognize that they are logging in from a different computer, and ask them a challenge question. Since only you know the answers to your challenge questions, they will not be able to give a correct answer. They will not be able to log-in.
10. What is Phishing?
Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake web sites that look very much like the sites of legitimate financial institutions. They send out emails randomly with links to these fake web sites. The phenomenon has been called Phishing, (pronounced "fishing").
11. What is Trojan or Key Logger?
Some fraudsters have been putting programs on random computers in order to harvest your User Name and password information used to log-in to web sites. They collect this information and secretly transmit it to their own computers and attempt to log-in to your site. These are called Trojans (short for Trojan Horse) or Key Loggers (for logging your keystrokes).
12. How does Online Authentication protect me from a Trojan or Key Logger?
Once you have registered your computer, even if a fraudster steals your User Name and password, their computer will not be registered and they will not be able to log-in as you; thus, Online Authentication protects your identity and your account.


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