Online Banking
Q How do I access Online Banking?
A To view our demo for Personal Online Banking click here, or go to our Home Page, click on 'Demo'
located within the Personal Online Banking login section. If you have already registered for Personal
Online Banking and received an e-mail confirmation that your accounts are ready for online access,
just go our Home Page, enter your User ID and Password and click the 'Login' button.
Q Which browsers work best with Northland Financial Online Banking?
A Click these browsers to display specific browser information.
Click Test your browser to run a compatibility test on the browser you are currently using for internet
access.
Click Online Help Index for more help concerning general information about online banking.
Q How frequently is my Northland Financial information updated?
A Northland Financial updates all customer account information nightly. Whether you access Online Banking
or do banking in our office, your account information is updated nightly to reflect all account activity for that day.
Q Can I look at all of my transactions at any time?
A Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
Transaction history for your account will build for one year. In addition, account history from up to one year
prior to signing up for online banking will also be made available.
Enhanced Login Security has been Implemented
In October 2005, the FFIEC issued new guidance for banks regarding data security measures associated withOnline Banking activities. The FFIEC and other regulatory agencies consider single factor authentication
(i.e. password) not adequate protection for high-risk transactions including customer information or funds
movement. Since single-factor authentication is inadequate, the FFIEC guidance calls for banks to implement
multi-factor authentication, layered security, or other comparable controls to lessen the risk of fraud or identity theft.
Northland Financial has enhanced your online account access with Enhanced Login Security, which will satisfy
the multi-factor authentication requirement from the FFIEC, as of November 16th, 2006. This enhancement will
protect your login credentials from potential identity theft and give you the assurance that your online banking
experience with Northland Financial is secure.
How Enhanced Login Security Works
The first time you login, you will be prompted to choose and answer three challenge questions. You will then be
prompted to enroll the computer you are using to login to online banking by allowing a secure (encrypted) 'cookie'
to be placed on your computer that will be recognized each time you login. Each time you attempt to login to online
banking from that same enrolled computer, your user ID and password will be verified with the 'cookie' that was
placed on your computer to further verify your identity. If you login to online banking using a different computer, you
will enter your user ID and password. Because the 'cookie' that was placed on your enrolled computer does not
reside on other computer(s) you may use for online banking, you will be prompted to answer the challenge questions
you chose upon initial enrollment for Enhanced Login Security to further verify your identity.
Multi-factor Authentication/Enhanced Login Security Q & A
Q What is Multi-Factor Authentication?
A Multi-factor Authentication adds extra security, requiring more than just one factor (user ID and password) to verify
your identity when logging into online banking.
Q How does Enhanced Login Security work?
A Enhanced Login Security requires you to enroll yourself as a multi-factor user, by prompting you to choose and
answer challenge questions, AND to enroll the computer(s) you use most frequently to login to online banking.
Then, upon login you will be identified by your user ID and password, AND by recognition of the computer you are
logging into online banking with OR by answering the challenge questions you chose upon initial enrollment for
multi-factor authentication. When you enroll a specific computer for Enhanced Login Security a unique identifier is
assigned to that computer using a standard secure cookie. The cookie is used to store the identification information
only. No personal or private data is stored in any way.
Q How is Enhanced Login Security more secure?
A Enhanced Login Security protects you in the case that your user ID and password have been compromised in
any way. No one will be allowed access to your account information by just using your user ID and password.
Q Why am I being asked challenge questions when I try to login?
A You will be asked challenge questions when we detect that you are trying to login from an un-enrolled computer.
This is to prevent someone with stolen passwords from accessing your account information through online banking.
Since only you know the answer to the challenge questions, we will know if it is really you attempting to login to
online banking. Generally you will be asked to answer the challenge questions only when you login for the first time
from a new computer. If you are using a personal computer to login, enroll that computer using the Enhanced Login
Security feature located under User Options to avoid having to answer the challenge questions upon each login. If
you are using a public terminal you will be asked to answer the challenge questions. You will not want to enroll a public
terminal.
Q Can I access online banking from multiple computers?
A Yes! You can still access online banking from any number of computers. If you login from an un-enrolled personal
computer or a public terminal, you will just need to answer the challenge questions you chose during initial enrollment.
This helps protect you by keeping unauthorized people from accessing your account information through online banking.
There is no limit to how many different computers you can use to log into online banking.
Q I am not an internet expert. How easy is Enhanced Login Security to use?
A Enhanced Login Security is extremely easy to use! Once you are enrolled for Enhanced Login Security, subsequent
logins from an enrolled computer will verify your user ID and password to the 'cookie' on your computer and you will see
no change in your online banking access from in the past. If you login to online banking using an un-enrolled computer,
you will be prompted to answer the challenge questions you chose upon initial enrollment. It is that easy!
Q I share my computer with someone who also uses online banking. Can both of us login to online banking
using the same computer?
A Yes! You can both use the same computer to log into online banking. There is no limit on how many people can login
to online banking from the same computer.
Q What happens if someone steals my user ID and password? How will Enhanced Login Security keep them
from accessing my account information?
A When someone tries to login to online banking using your stolen user ID and password, we will recognize that they
are logging in from a computer that you did not enroll with Enhanced Login Security. They will be prompted to answer
your challenge questions which only you know, and will then be unable to complete the login process.
Q Can I change my Challenge Questions?
A Yes! At any time you can change your challenge questions using the 'Challenge Question Setup' option located
under User Options. You can change your challenge questions and answers as often as you like.
NOTE: You can also change your password as often as you like by using the 'Change Password' option located
under User Options. You will be prompted to change your password every 30 days for security purposes, but you
can change your password more often if you choose.
Q How does Northland Financial know I am logging on to online banking from my own computer?
A When you login for the first time from a new computer, you will have the option to enroll that computer by selecting
the Enhanced Login Security option located under User Options. Upon enrollment of your computer, we place a
secure (encrypted) cookie on your computer. This cookie contains information that identifies your computer. The
cookie is visible only to online banking and does not contain any personal information. Upon future logins, your
web browser sends us this cookie. This lets us know that this is your computer.
Q What is Phishing?
A 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 e-mails randomly with links to the fake web sites. This phenomenon has been called Phishing,
(pronounced "fishing").
Q I am trying to login to online banking from my own computer which I have already enrolled, and I'm being
prompted to answer my challenge questions. Why?
A This may happen in rare cases if you have deleted all cookies from your computer. Before answering a challenge
question, make sure you are at our legitimate bank web site. The easiest way to ensure that you are at
Northland Financials' website is to type our URL directly into your web browser - www.northlandfinancialonline.com.
If upon login from our legitimate web site, you are still being prompted to answer your challenge questions, answer
the questions and then re-enroll your computer using the Enhanced Login Security option located under User Options.
This may also happen if you use more than one internet browser to login to online banking. If you use multiple browsers
for internet access, you will need to enroll your computer for each browser you use.
Q What is a Trojan or Key Logger?
A Some fraudsters have been putting programs on random computers in order to harvest your user ID and password
information used to login to web sites. They collect this information and secretly transmit it to their own computers
and attempt to login to your site. These are called Trojans (short for Trojan Horse) or Key Loggers (for logging your
keystrokes).
Q How does Enhanced Login Security protect me from a Trojan or Key Logger?
A Once you have enrolled for Enhanced Login Security by choosing and answering challenge questions and have
enrolled your computer, even if a fraudster steals your user ID and password, his computer will not be enrolled
and he will not be able to answer your challenge questions so he will be unable to login as you; thus, Enhanced
Login Security protects your identity and your account information!
Bill Pay
Q How do I enroll for Online Bill Pay?
A Log on to Online Banking, click the Bill Pay button and follow the prompts. It takes approximately 3 to 5 business
days to be approved for online bill pay. When approved, you will receive an email confirmation informing you
that you can now begin using Bill Pay.
Q How does Bill Pay work?
A Rather than paying your bills by check, you can pay your bills online by setting up payees and scheduling a payment
date. The bill payment system will pay your bills as directed by you. No stamps, no trips to the post office to drop off bills,
no worrying about payments being lost in the mail, no need to place stop payment on a lost check in the mail! Bill Pay
is easy and convenient to use.
Q How long does it take to set up a new payee in the bill payment system?
A Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set
up the payee to receive payments.
Q Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee
during those two business days?
A Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until
the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in
reaching the payee by approximately two business days.
Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day
following the payment date. If you make a payment on Monday, you can expect the money to be debited from your
account by Wednesday or Thursday of the same week.
Q How long does it take for a payment to reach the payee?
A A payment that generates an electronic payment will credit the payee's account within 1-3 business days; whereas,
a paper check can take up to 10 days.
Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Online Banking.
Enroll today and enjoy the convenience and ease of Online Bill Pay!
