MultiKey is a new online security feature that is now a standard part of your Baldwin State Bank Internet Banking login experience. As part of our ongoing commitment to help protect you against identify theft and fraud, MultiKey helps prevent unauthorized access to your accounts while reassuring you that you’re at the valid Baldwin State Bank website. MultiKey consists of four parts: User ID, three challenge questions, a personal image and an encrypted password. All four parts help protect you, whether you login to Internet Banking from one of your trusted computers or from a public computer.
Why do I need MultiKey?
MultiKey helps to ensure your information is secure by protecting you from fraud and identity theft in a couple of ways.
It helps you recognize that you’re at the valid Baldwin State Bank Internet Banking site.
You can ensure that we also recognize you as the true owner of your account because MultiKey helps us verify your identity with your chosen image. If your computer is not registered as a trusted computer, we’ll ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.
How does MultiKey work?
MultiKey is made up of four parts: User ID, three challenge questions, a personal image and an encrypted password.
When you’re signing in from a different computer, we ask one of your challenge questions to verify your identity. When you answer correctly, a number of MultiKey images appears. If you see your image, you know it’s safe to enter your password and login. You will need to select your image and continue.
Has my password changed?
No. The MultiKey image, the three challenge questions and answers you provide are separate from your regular Internet Banking login password.
One of the ways we recognize you is by placing a cookie on your computer when you sign up for our MultiKey service. The cookie contains a randomly generated, unique number used as an identifier. When you login after that, your Web browser sends us this cookie, which lets us know that you’re using your own computer. The cookie is visible only to the Internet Banking site at Baldwin State Bank and does not contain any personal information. You can also access Internet Banking from any number of computers and have the same MultiKey protections.
What is a cookie?
A cookie is piece of securely-coded information sent by Baldwin State Bank to your computer when you login with our MultiKey service. Cookies include a randomly generated, unique number used as a sign-in or registration identifier. Every time you log in from that same computer, your Web browser then sends us back this cookie, which is a security feature that lets us know that you’re using your own computer.
How is MultiKey more secure?
MultiKey helps you know that you are at the valid Internet Banking site at Insite Internet Banking before you enter your password. In addition, we know it’s really you signing in because we recognize your computer or we ask you a challenge question to verify your identity.
What if someone knows my password? How will MultiKey prevent them from accessing my account?
When an unauthorized person tries to login from another computer, we will recognize that they’re using a different computer, and so we’ll ask one of your challenge questions. They won’t know the answer and will not be able to login to your account.
Why do I need to set up challenge questions?
Challenge questions help prevent unauthorized people from getting access to your Internet Banking information. That way, even if they’ve stolen your User ID and password, they won’t know the answer to the secret question. And if someone signs in from a computer that we don’t recognize (for example, if you login from a public library), we’ll ask you a challenge question to verify that it’s really you.
When I enter my User ID, it asks me a question instead of showing my MultiKey image. Why?
This is to help verify that it’s really you signing in. We ask a challenge question when you’re signing in from a computer that has not been registered as a trusted computer. Your correct answer confirms that it’s really you.
How do I know I’m at the genuine Baldwin State Bank site?
The MultiKey system helps to authenticate you as well as authenticate the website. After you type the correct address directly into your Web browser, enter your User ID and your personal MultiKey image will be displayed. That’s confirmation that you’re at the legitimate website. If you do not see your personal image, do not enter your password. Since this may represent a fraudulent website, please report this immediately to us at firstname.lastname@example.org or (785) 594-6421.
How do you know that I’m signing in from my own computer?
When you initially login to the Baldwin State Bank website using the MultiKey service, a secure cookie is saved on your computer. When you login from the same computer again, the Web browser uses this cookie to authenticate your computer to our system. This confirms that you’re using a trusted computer. The cookie is visible only to the Baldwin State Bank Internet Banking site and does not contain any personal information. You can also access the Internet Banking site from any number of computers and have the same MultiKey enhanced security benefits.
Can I access Internet Banking from multiple computers?
Yes, you can access Internet Banking from multiple computers and have the same MultiKey enhanced security benefits. If you login from a computer that you haven’t registered as a trusted computer, you just need to answer one of your challenge questions to verify that it’s really you. Once you answer the question correctly, you will be asked if this computer should be registered as a trusted computer in the future. If you answer yes, you will not need to answer a challenge question when you use that computer in the future.
I share my computer with someone who also has an Baldwin State Bank Internet Banking account. Can both of us still login from this computer?
Yes. You can use the same computer to login to your individual Internet Banking accounts. The MultiKey service is based on the fact that each User ID is unique.
Is there a fee for using the MultiKey service?
MultiKey is free. It’s just another way Baldwin State Bank is working with you to safeguard your privacy.
How do I set up my MultiKey information?
It is quick and easy to set up and use MultiKey. You simply choose a MultiKey image and three challenge questions. You will setup your MultiKey information during your next login.