Citizens First is proud to deliver additional protection against identity theft and fraud to safeguard our Internet Banking customers.  Beginning at the end of January we will be adding an additional layer of security to your login process. This additional layer will further strengthen the security of your financial information and help protect you from fraud and identity theft.

How it works: The new security system verifies your identity in two ways. Every time you log into Online Banking, the bank identifies you, and lets you identify the bank by using an authentication image and pass phrase. You will know that you are not at the Citizens First website if the correct image and pass phrase are not present.

Here’s how the enrollment process will work:

1.  Log into Online Banking using your current Access ID. Click ‘submit.’

2.  Enter your current password. Click ‘submit.’

3.  Complete the enablement form (shown at left) which asks you to enter a valid email address, enter a pass phrase, complete your Challenge Questions and Answers, and register the computer you are using (if you choose to). We encourage you to only register computers that you use often. Do not register PCs that are available for public use, like those in libraries, coffee shops, etc.  The system will automatically assign you an authentication image, which you can change at your discretion later on.

4.  Click ‘submit.’

You are now enrolled! The next time you log into Online Banking, Citizens First will recognize you and display your private image and pass phrase. And each time you log in from a computer that you have not registered, you’ll have to answer one of your Challenge Questions correctly in order to gain access to the system.