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Eureka Bank's Internet Banking System, Eureka by
Web,
brings together a combination of industry-approved security technologies to
protect data for the bank and for you, our customer. It features
password-controlled system entry, a VeriSign-issued Digital ID for the bank's
server, Secure Sockets Layer (SSL) protocol for data encryption, and a router
loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
From the moment you begin to use Eureka by Web, your
personal information is encrypted (128-bit security) to protect its
confidentiality and privacy. Once you are enrolled and sign on to use Eureka
by Web you must enter a Log-in ID and a password. The Eureka
by Web system uses a "3 strikes and you're out"
lockout mechanism to deter users from repeated login attempts. After three
unsuccessful login attempts, the system locks the user out, requiring either a
designated wait period or a phone call to Eureka Bank to reset the password
before access is granted to the system again. Upon successful login, the Digital
ID from VeriSign, the experts in digital identification certificates,
authenticates the user's identity and establishes a secure session with that
visitor.
Secure Data Transfer
Once the login is successful and a server session is established, the
user and the server are in a secured environment. Because VeriSign has certified
the server as a 128-bit secure server, data traveling between the user and the
server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data
that travels between the bank and customer is encrypted and can only be
decrypted with the public and private key pair. In short, the bank's server
issues a public key to the end user's browser and creates a temporary private
key. These two keys are the only combination possible for that session. When the
session is complete, the keys expire and the whole process starts over when a
new user makes a server session.
Authentication
Image
The Authentication Image that displays on the log in page is a verification that
you are accessing our legitimate Internet Banking site. By presenting the
Authentication Image and pass phrase that you established during the enrollment
process, we are providing you with the assurance that your activity has not been
redirected to a fraudulent site where your login credentials could be
compromised.
Layered
Authentication
The Internet Banking login process includes several layers of security. This
security is intended to prevent unauthorized access to your account, validate
your identity, protect your account information from fraudulent use, and prevent
the theft of your identity.
Security
Challenge
A security challenge occurs when your financial institution's online
banking software does not recognize the computer from which you are
attempting to log in. The purpose of the security challenge is to
prevent unauthorized people from accessing your account information. The
challenge requires you to prove your identity by correctly answering one
or more of the challenge questions
you selected when you set up the authentication security data.
Router and Firewall
Requests must filter through a router and firewall before they are
permitted to reach the server. A router, a piece of hardware, works in
conjunction with the firewall, a piece of software, to block and direct traffic
coming to the server. The configuration begins by disallowing ALL traffic and
then opens holes only when necessary to process acceptable data requests, such
as retrieving web pages or sending customer requests to the bank.
Time Out Feature
Once you have logged into Eureka by Web, a session
can last as long as thirty minutes. After this time has elapsed the system will
log you out, requiring you to sign on again. This feature is for your safety and
protection. If you were to leave your computer for any reason while logged into Eureka
by Web, this feature will allow only a short period of time to
elapse before automatically signing you off. This prevents an unwanted person
from accessing your account information or Eureka by Web features.
Using the above technologies, your Internet Banking transactions are secure.
Return to Internet Banking
page.
