VyStar has a number of features in place to help ensure the security of your accounts, including multifactor authentication (MFA), encryption, timed log-out, firewalls and more. There are also several steps you can personally take to secure your online experience.
While a username and password alone are not enough to safeguard your online experience, they are still essential to protecting your identity and information online. We encourage you to create a unique username and password for your account and not share it with others—not even friends, family members or business associates. Here are some tips for creating and using a strong username and password:
Accessing your accounts with a username and password is known as single-factor authentication because it solely relies on something you know (your username and password combination). MFA or Multifactor Authentication relies on more than one of the three basic factors used to authenticate a user, making it a more secure process. The factors used today are:
If you use an ATM or debit card, you are using MFA because you need two factors to complete the transaction: your ATM or debit card (something you have) and your PIN (something you know). VyStar’s Internet Banking uses a system called Intelligent Authentication™ (IA) to leverage the security of MFA.
Due to a variety of security threats such as Trojans, keystroke logging, phishing, etc., single-factor authentication (such as the combination of a username and password) to identify and authenticate a user has proven to be inadequate to secure user accounts on websites. IA is an enhanced security measure and a multifactor verification approach to authentication that augments the traditional username and password combination. IA tracks and examines members’ Internet & Mobile Banking usage behavior patterns and other nonpersonal information gathered from each request to access the login page. With this information, a user profile or “access signature” is built, which can be used to authenticate a user. Alternatively, this information can help determine when it is necessary to challenge a user or even block suspicious visitors from accessing Internet Banking.
As Intelligent AuthenticationTM builds the access signature over time, various patterns and attributes are learned by the system. Just like it takes time for you to recognize another person’s face, IA also takes time to learn each user as they access their accounts on their computer. Until a reliable access signature can be built, any user will likely be challenged when they log in. Even then, a strong IA system will still occasionally challenge the user—especially if their behaviors, usage patterns or devices change or are updated. The challenge is typically a code sent via text or voice call to your mobile phone (something you have) and is the second factor in the MFA process, which helps us verify your identity. Other options are available, but this code is the most common method.
Encryption is a process used to scramble confidential data passed between two points so that it is not readable to others. VyStar uses 128-bit encryption technology where the "128" refers to the length of the encryption key used to scramble the data. The longer the key, the greater the security.
Absolutely all nonpublic information collected by or available on Internet Banking is protected through the use of the secure socket layer (SSL) protocol and 128-bit encryption. SSL is an encryption system that creates a secure environment for information that is passed between the member’s computer and VyStar Credit Union. Your information is completely secure when you are logging in to Internet Banking. Internet Banking browser requirements are listed here.
Each user session is set up to stay active for a specific period of time. If you do not interact with Internet Banking within that timeframe, the system will time out and automatically log out. If your session times out and you are not finished using VyStar Internet Banking, you will need to log in again. This security feature reduces the window of opportunity for an unauthorized user to access your account information if you walk away from a computer without logging out of VyStar Internet Banking.
VyStar is confident that we have taken the necessary security precautions to ensure our Internet account access service is secure and your account information remains confidential. However, it is also your responsibility to play an active role in protecting the security of your accounts. Here are some ways you can protect yourself:
Click on the “Forgot your Password?” link under the Internet Banking login screen. You can also call us at (904) 777-6000 or 1 (800) 445-6289, option 3.
At VyStar Credit Union, we’re focused on keeping you, and your money, safe.
Check back here for frequent updates regarding local, national and digital
scams and other threats.
If you suspect someone has gained access to your important personal
information (e.g., your social security number or VyStar account number),
get more information here about how to report the suspicious activity
and protect your identity.
We’re not just focused on keeping your money safe; we’re also extremely
dedicated to keeping you safe. Protect yourself while using any ATM
by following these expert security tips.