MultiKey Login Information
The MultiKey service is an easy way to help prevent identity theft and fraud.
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
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.
- It helps you recognize that you're at the valid The Gifford State Bank Internet
- You can ensure that we also recognize you as the true owner of your account because
MultiKey helps us verify your identity with your chosen image. If your computer
is not registered as a trusted computer, we'll ask you one of your challenge questions
as an additional line of defense against unauthorized access to your accounts.
How does MultiKey work?
MultiKey is made up of four parts: User ID, three challenge questions, a personal
image and an encrypted password.
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're 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 firstname.lastname@example.org or 217-568-7311.
How do you know that I'm signing in from my own computer?
When you initially login to the 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 an 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 privacy.
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