Finish your to-do list without getting off the couch. Online banking and bill pay let you manage your money anytime, anywhere there’s internet access. Check account balances, view checks written, and transfer funds — all from the comfort of home. Forget about late fees when you schedule payments in advance. And easy access to free eStatements helps you reach your financial goals. Find more time in your day (and more money in your wallet) — enroll in online banking today!
Note: If you receive an error or are experiencing issues, please feel free to call the bank at either of our branches and we will be happy to assist. Paonia – 970-527-4141 Delta – 970-874-0100
Our online banking technology includes Multi-Layered Authentication. This requires you to complete a one-time security update, which activates your account for access to online banking. You must complete this update to access your account information online. It is intended to provide you with the best security possible.
Multi-Layered Authentication consists of validation and authentication of an individual using more than one method of verification. Generally, this is accomplished by verifying three things:
Item #1 - You will need to create three (3) question and answer pairs. This allows us to verify that you are in fact, you, by presenting you with a question that only YOU know the answer to. If you don't answer the question correctly, you will not gain access to your accounts.
Item #2 - You will also need to create a "security key". This allows you to verify that you have reached our online banking site, and not some other site. Every time you attempt to log in to your accounts, we will send you a graphical representation of the security key that you created. If you do not see that security key or it is not the one you created then you know that you are NOT at OUR site. If this happens, please contact us immediately.
Item #3 - This is one that you already know. This is your Password.
It is our commitment to you that access to your financial information is appropriately secure. We have taken enhanced measures to secure our online banking site. As always, if you have any questions or concerns regarding these changes, please contact us.
The login process is as follows:
The Random Code is an extra security measure used to eliminate fraudsters from randomly selecting account numbers. It is randomly generated each time you try to log in.
The security key image is used to help you identify our online banking as a legitimate site. The text word or phrase you select will be converted to an image. When you log into online banking you will see the security key image on every page.
Some things to keep in mind:
If you choose to remember your computer, you will not be prompted to answer one of the questions you set up during enrollment. You will still have to enter in your User ID, Password and the Random Code. You can remember your computer after you have completed the initial enrollment and login. The system uses information about your hardware and software to recognize a remembered computer.
If you delete your browser cookies on your PC, you will have to re-remember the computer. The secure cookie will periodically expire on your computer and will require you to remember your computer again.
If you are using a computer that is accessed by numerous users (ex. library or at airport kiosks) we recommend that you do not remember your account on this PC. We only recommend you remember your personal computer at home or at work.
A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user. In this case, the cookie that is stored on your PC during login lets you bypass your personalized security questions whenever you access online banking in the future. The secure cookie will periodically expire on your computer and will require you to remember your computer again.
Yes. You can remember your account on more than one PC.
Yes. You can remember numerous accounts on the same PC. This will bypass the security questions when you log in.
Yes. The system uses your PC hardware and software information to recognize you are a legitimate user. If you delete your cookies, the information is no longer available to authenticate your login. You will be prompted to answer one of your security questions.
When you remember your account on a certain PC it stores software and hardware information used to access online banking. The system stores information like your browser (Internet Explorer, Netscape, Firefox) and operating system (Windows XP, 2000, Macintosh). If you access online banking with anything different for future logins, you are required to remember the new system information.
Please feel free to contact us by phone and we can reset your session.
Yes. Once you log into your account you will have access to change your questions and/or your security key image.