Please click "Continue" or you will be logged out.
MultiKey Login Information
The MultiKey service is an easy way to help prevent identity theft and
What is MultiKey?
MultiKey is a new online security feature that is now a standard part of your The Gifford State Bank
Internet Banking login experience. As part of our ongoing commitment to help protect you against identify theft and
fraud, MultiKey helps prevent unauthorized access to your accounts while reassuring you that you're at the valid
The Gifford State Bank website. MultiKey consists of four parts: User ID, three challenge questions, a personal image and an
encrypted password. All four parts help protect you, whether you login to Internet Banking from one of your trusted
computers or from a public computer.
Why do I need MultiKey?
MultiKey helps to ensure your information is secure by protecting you from fraud and identity
theft in a couple of ways.
How does MultiKey work?
MultiKey is made up of four parts: User ID, three challenge questions, a personal image and an
When you're signing in from a different computer, we ask one of your challenge questions to
verify your identity. When you answer correctly, a number of MultiKey images appears. If you see your image, you
know it's safe to enter your password and login. You will need to select your image and continue.
Has my password changed?
No. The MultiKey image, the three challenge questions and answers you provide are separate from
your regular Internet Banking login password.
One of the ways we recognize you is by placing a cookie on your computer when you sign up for our
MultiKey service. The cookie contains a randomly generated, unique number used as an identifier. When you login
after that, your Web browser sends us this cookie, which lets us know that you're using your own computer. The
cookie is visible only to the Internet Banking site at The Gifford State Bank and does not contain any personal information.
You can also access Internet Banking from any number of computers and have the same MultiKey protections.
What is a cookie?
A cookie is piece of securely-coded information sent by The Gifford State Bank to your computer when you
login with our MultiKey service. Cookies include a randomly generated, unique number used as a sign-in or
registration identifier. Every time you log in from that same computer, your Web browser then sends us back this
cookie, which is a security feature that lets us know that you are using your own computer.
How is MultiKey more secure?
MultiKey helps you know that you are at the valid Internet Banking site at The Gifford State Bank Internet
Banking before you enter your password. In addition, we know it's really you signing in because we recognize
your computer or we ask you a challenge question to verify your identity.
What if someone knows my password? How will MultiKey prevent them from
accessing my account?
When an unauthorized person tries to login from another computer, we will recognize that
they're using a different computer, and so we'll ask one of your challenge questions. They won't know
the answer and will not be able to login to your account.
Why do I need to set up challenge questions?
Challenge questions help prevent unauthorized people from getting access to your Internet Banking
information. That way, even if they've stolen your User ID and password, they won't know the answer to the
secret question. And if someone signs in from a computer that we don't recognize (for example, if you login from
a public library), we'll ask you a challenge question to verify that it's really you.
When I enter my User ID, it asks me a question instead of showing my MultiKey image. Why?
This is to help verify that it's really you signing in. We ask a challenge question when
you're signing in from a computer that has not been registered as a trusted computer. Your correct answer
confirms that it's really you.
How do I know I'm at the genuine The Gifford State Bank site?
The MultiKey system helps to authenticate you as well as
authenticate the website. After you type the correct address directly into your Web browser, enter your User ID and
your personal MultiKey image will be displayed. That's confirmation that you're at the legitimate website.
If you do not see your personal image, do not enter your password. Since this may represent a fraudulent website,
please report this immediately to us at email@example.com or 217-568-7311.
How do you know that I'm signing in from my own computer?
When you initially login to The Gifford State Bank website using
the MultiKey service, a secure cookie is saved on your computer. When you login from the same computer again, the
Web browser uses this cookie to authenticate your computer to our system. This confirms that you're using a
trusted computer. The cookie is visible only to the The Gifford State Bank Internet Banking site and does not contain any
personal information. You can also access the Internet Banking site from any number of computers and have the same
MultiKey enhanced security benefits.
Can I access Internet Banking from multiple computers?
Yes, you can access Internet Banking from multiple computers and have the same MultiKey enhanced
security benefits. If you login from a computer that you haven't registered as a trusted computer, you just need
to answer one of your challenge questions to verify that it's really you. Once you answer the question
correctly, you will be asked if this computer should be registered as a trusted computer in the future. If you
answer yes, you will not need to answer a challenge question when you use that computer in the future.
I share my computer with someone who also has a The Gifford State Bank Internet Banking account. Can both
of us still login from this computer?
Yes. You can use the same computer to login to your individual Internet Banking accounts. The
MultiKey service is based on the fact that each User ID is unique.
Is there a fee for using the MultiKey service?
MultiKey is free. It's just another way The Gifford State Bank is working with you to safeguard your
How do I set up my MultiKey information?
It is quick and easy to set up and use MultiKey. You simply choose a MultiKey image and three
challenge questions. You will setup your MultiKey information during your next login.