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CUOL Home Banking with new security enhancements will better protect you against online theft and fraud, provide you with more peace of mind when banking online and will help minimize the risk of falling victim to a "spoofed" web site.
How It Will Work
You will complete a simple, one-time enrollment process the first time you log into the enhanced system.
1. You will select a picture from an online library of images; the image will be displayed to you on future CUOL logins. The image is known only to you and the credit union.
2. You will enter a word or phrase that will be displayed along with your image when you login. The text phrase is known only to you and the credit union.
3. You will select three "Challenge Questions" and provide the answers to the questions. Logging into Online Access
After enrollment, when you log into CUOL you will enter your User ID. Then, we will show you the picture and text phrase you selected. If the image and phrase shown to you are correct, you will continue with the login and enter your password. This is your assurance that you are logging into the legitimate Red Crown Credit Union CUOL home banking web site, since no one else knows your image and text phrase - only you and us.
Challenge Questions
Challenge questions will be displayed if you are logging into CUOL from a different computer than you used when you enrolled or if cookies have been deleted. If we don't recognize the computer, we will double check that it is really you. This is another layer of security designed to protect your account from unauthorized access if your account information is stolen, and help us identify you when you are logging into CUOL from an unknown computer. You will have the opportunity to "register" computers you regularly use to access your online account. Once you successfully answer the question, we'll show you your picture and phrase.
This enhanced security will not require you to have any additional hardware or software for your computer. All of the identification and validation takes place behind the scenes - creating a silent but secure login.
The protection of your financial information and the security of your online transactions are very important to us. We will continue to update you as we get closer to implementation.
Online Security FAQ
If you have further questions, please call Red Crown Credit Union at (918) 477-3200 or (800) 318-7228 or e-mail us.
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