Why do I have to answer security challenge questions?

Our members have shared their feedback about the importance of their online banking safety, in response we’ve provided these additional layers of online banking security to Digital Banking:

• Similar to the existing Second Factor challenge questions members sometimes see when logging into Digital Banking, there may now be additional occasions when you will be presented with a challenge question, such as when you are changing your email address, setting up an initial ACH transfer or adding a new payee in your bill pay system.
• You can view and change your online banking security questions anytime by clicking the ‘Settings’ button located at the top-center of the menu bar on the Digital Banking home screen. Under the column ‘Settings’ select ‘Security Questions and Answers’.
• If you would prefer not to use the security question format to authenticate yourself when challenged, we have now added two new challenge options for you to choose from. You can either have a code sent to your email address on file or texted to your mobile phone. To register for texting, in the Digital Banking menu bar, hover over ‘Services’ and then select ‘uText’.