Frequently Asked Questions
What is Site-to-User Authentication?
Site-to-User Authentication is a security enhancement designed to confirm that you are logging in to our legitimate Web site. You choose a unique image and phrase known only to you and our Internet banking system. Then, each time you log in, you will see your unique image and phrase. If you do not see your image and phrase, DO NOT LOG IN.
How does this increase security?
Site-to-User helps you know you are really on our legitimate Web site. If our site knows that you are who you claim to be and you know that our site is legitimate, we can transact business safely and securely. During phishing and pharming attacks, users are often lured to fake Web sites that look genuine. Such fake sites may ask a visitor to enter private information. Site-to-User helps you know the difference between a fake Web site and a real one.
How will my login process change?
The first time you log in after this feature is activated, you will be asked for your login name on a separate screen, as shown below:
Then, on the second screen, you will be asked for your password, as shown below:
After entering your login name and password correctly, a screen will then appear (sample screen shown below) with a preselected image and phrase. You may to choose this image and phrase by clicking on 'Finish', or you may change the image by clicking on the 'Change Image' box and change the phrase by deleting what appears in the box marked 'Enter Phrase:' and retyping another phrase of your choice (TIP: Avoid choosing a phrase that is too generic, as any malicious site could use such a generic description.)
When you click on 'Finish', you have completed enrollment in Site-to-User. Now that you have successfully enrolled in Site-To-User, every time you enter your login name correctly to sign on to online banking, a screen will appear with the unique image and phrase you selected and ask you for your password, as in the sample screen shown below:
Do I have to use Site-to-User?
Yes. If you have questions about this, please contact Clay County Savings Bank at (816) 781-4500.
Do I have to do anything special to get Site-to-User?
No. The first time you log in after this feature is activated, you will be asked for your login name and password. After the system recognizes you as a legitimate user, you will then be asked to choose a unique image and phrase. Once you have chosen an image and phrase, you should see that image and phrase every time you log in.
Do I have to choose an image and phrase?
Yes. We require all users to choose an image and phrase.
Can I change my image and phrase?
Yes. Simply choose "Customer Service," from the menu and then select "Change Image" and "Change Phrase."
Can I use my own picture?
No, but there are many images from which to choose.
What if the image that appears is not my image when I log in?
DO NOT LOG IN. If this happens to you, it could be caused by one of the following things: you may have entered an invalid login name, you are on a fraudulent site, or you (or someone with your credentials) changed your image. If this happens, you should try starting the login process over completely. If the wrong image continues to appear, of if there isn’t an image, contact Clay County Savings Bank at (816) 781-4500 for help.
