OnLine Banking Security

When you travel the Internet to access OnLine Banking, it’s important for you to know that we’ve put effective safeguards in place to make your visit safe, secure, and reliable. Whether reviewing account information, scheduling a transfer, or paying bills, you are entering a secure area. We’ve taken the following measures to guarantee the safety of your personal information:

Access ID & Password Protection

Your Access ID and password are the first line of defense, and act as unique identifiers for your personal or business account. Create unique passwords and change them frequently. Avoid using passwords such as your birth date, name, address, or Social Security number. Use a combination of upper and lowercase letters, numbers, and special characters. Be certain not to share this information with anyone – most account hijacking fraud attempts originate with someone the victim knows.

If your computer prompts you to “save” or “store” a password, decline. Allowing your computer to remember login information gives anyone with physical access to your computer the ability to log in to your accounts.

Multifactor Authentication

Multifactor authentication (MFA) is a security system in which multiple forms of unique information are used to identify who you are, and what you know – powerful information only you have. The multifactor authentication reference points we use, in conjunction with your Access ID and password, are the multifactor authentication image and security challenge questions you’ve chosen.

128-bit Encryption

Once you’ve logged in to your OnLine Banking account, 128-bit encryption encapsulates your personal information by converting it into a secure code for the entirety of your session. Each time you log in, a new session begins, keeping your personal information secure every time you access it.

Our Privacy Policy

At The Bank of Northern Michigan, valuing your business and protecting your privacy are two of our highest priorities. We have strict policies in place, and each employee is responsible for maintaining our commitment to protect your information. We also have designated personnel who are responsible for monitoring our compliance with laws and regulations.

Protect Yourself from ID Theft