Token Security FAQs

Token Security

For answers to some of the most frequently asked questions about token security, please select a question.

How do I activate and log in using token security?

To activate and log in, follow these instructions.

What is a token?

A token is a small, connectionless device that generates a One Time Password (OTP) to use each time you log on to Business Online Banking. This password changes every 32 seconds for your protection. This helps to ensure that your information is secure, protecting you from fraud and identity theft.

Why do we need tokens?

With tokens, we’re adding another layer of security to protect customers’ information and your Business Online Banking accounts. Tokens also guard against ever-increasing email scams such as phishing and pharming by providing site authentication.

How do I know that I am at the valid Business Online Banking site?

A four-digit Site Authentication Value will be displayed, confirming that you’re at the Bank’s legitimate website. If your Site Authentication Values do not match, then start over or contact the Bank for assistance.

Do I need my token to log in?

Yes. Once the token is activated, you will need it each time you log on to Business Online Banking. This provides an additional layer of security for your protection.

Do I have to activate my token?

Yes. All customers identified as token users must activate and use their token to log on to Business Online Banking.

Do I need to install software on my computer?

No additional software is required on your computer. Once activated, the token is immediately ready for use.

How much does the token cost?

Your first token will be provided free of charge. Lost or damaged tokens will be replaced at a cost of $25 per token.

What happens if my token is lost or damaged?

To order replacement tokens, select Lost or Damaged Token from this page, or contact us. The token will be mailed to you, or you may pick it up at one of our convenient branch locations.