Upgraded Online Security FAQs
1. What is this enhanced security feature?
It is a layer of security added on to the
log in process to help ensure that your information is safeguarded.
It helps you know that you are at Fremont Bank's legitimate Online
Banking site and helps us identify it is really you logging in to
your accounts.
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2. How does the enhanced security work?
It verifies identity in two ways. Every time you log in to Online
Banking, Fremont Bank identifies you, and it allows you to identify
that you are on Fremont Bank's website using your unique Authentication
Image and Pass Phrase.
Follow these steps:
- Enter your Access ID and click the Log In button.
- Before we display your chosen Authentication Image and Pass Phrase,
we verify that you're logging in from a computer you have asked
us to recognize. If we recognize the computer you are using, your
Authentication Image and Pass Phrase will be presented to you on
the next page. Once you confirm your Authentication Image and Pass
Phrase, you'll know you can safely enter your Password.
- If we do not recognize the computer you are using, we will ask
you to select and complete a Security Challenge before we display
your Authentication Image and Pass Phrase.
- If you do not recognize your Authentication Image and Pass Phrase,
do not enter your Password.
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3. Why do we need the enhanced security?
We're adding another layer of security to protect your account
information. It also helps guard against ever-increasing email scams
called phishing and pharming. In a phishing scam, people pretend to
be a trustworthy person or business by using an “official”
looking email. Then they ask you to provide or confirm certain financial
information or passwords. Pharming is where a “hacker”
tries to direct you to a fraudulent website and make it look like
an official one.
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4. How do I enroll into the enhanced online security?
You will be automatically prompted to the Set Security Data screen
when you log in to Online Banking. Click here to visit our enrollment instructions.
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5. Where do I enter my Password?
As part of the security enhancements for our Personal Online Banking
clients, you will notice some changes to your Log In process. You
will first enter your Access ID and then enter your Password on another
screen.
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6. Has my Password changed?
No. You can still use your current Password to log in to Online Banking.
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7. What if I forget my Password?
At the Log In screen, please enter your Access ID and click LOG IN.
If we recognize your computer you will see your Authentication Image
and Pass Phrase along with the box to enter your Password. Under the
Submit button is the FORGOT PASSWORD? link.
If we do not recognize the computer, you will need to complete the
Security Challenge. Once you complete the Security Challenge, you
will see your Authentication Image and Pass Phrase along with the
box to enter your Password. Under the Submit button is the FORGOT
PASSWORD? link.
Once you click the FORGOT PASSWORD? link enter your Access ID. A
Temporary Password will be sent to the email account that is on file
to verify the identity of the account holder. Retrieve this from your
email. Go back to the Log In screen, enter your Access ID and when
prompted enter the Temporary Password. Please note: Once you use that
Temporary Password you will be required to change your Password for
security purposes.
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8. Why am I being asked questions when I log
in to Online Banking?
These questions are part of the enhanced security process. Once you are logged in,
you will be prompted to select your personalized Challenge Questions
and answers. We recommend using simple, one word answers that are
easy to remember.
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9. What is the difference between my Password
and a Passcode?
A Passcode is a code that is emailed to you. If you try to log in
from a computer we do not recognize, you will be presented with a
Security Challenge, one of which is "Email One-time Passcode".
This One-time Passcode is sent to your email account to verify your
identity. Once you correctly enter the Passcode, you will then be
able to enter your Password on the next screen.
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10. Should I use the same Pass Phrase as my
Password?
No. Using the same Password as your chosen Pass Phrase compromises
the security of the Password, thus diminishing the second layer of
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11. My password is stolen; will this enhanced security prevent
access to my account?
If an unauthorized person(s) tries to log in to your account from
another computer, they will be presented with one of your Security
Challenges. Without access to this additional personal information,
they will not be able to log in to your account.
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12. What should I do if my Authentication Image
and/or Pass Phrase are incorrect?
Do not enter your Password. Please immediately call us at (800) 359-BANK
(2265).
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13. Can I change my security Authentication Image,
Pass Phrase, and Challenge Questions?
Yes, after logging in, click the OPTIONS tab, then click the EDIT
button on the area you wish to change.
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14. How do I change my Authentication Image
and Pass Phrase?
We have many images from which to choose. To select the one that's
right for you, just follow these steps.
- Log in to Online Banking.
- Select OPTIONS from the main menu.
- Select EDIT under Security Data.
- Click CHANGE IMAGE hyperlink under the Authentication Image.
- As you browse, you can compare images by selecting “Remember
image”.
- To select an image from the library click on the image itself.
- Enter a Pass Phrase for the image.
- Click SUBMIT.
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15. Can I upload my own image?
No. For security reasons, you cannot upload your own Authentication
Image. However, we offer over 10,000 images from which you may choose.
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16. How do I know that I'm at a legitimate
Fremont Bank Online Banking site?
Your Authentication Image and Pass Phrase will appear confirming that
you're at the legitimate Fremont Bank web site.
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17. How do you know that I'm logging in from
my own computer?
When you set your security data, the enhanced security uses a cookie to identify your
computer. Each time you log in, our software identifies your computer,
your IP address, and other unique identifiers. The cookie is secure
and does not contain any personal information.
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18. Can I access Online Banking from multiple
computers?
Yes. You can access Online Banking from any number of computers. If
you log in from a computer that you haven't used for Online Banking
before, you will just need to complete the Security Challenge to verify
that it's you. You can register as many PCs as you like.
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19. I share my computer with someone who also
uses Online Banking. Can both of us still log in from this computer?
Yes. There's no limit to how many people can log in to Online Banking
from the same computer. Remember to not share your User ID, Password,
or the answers to your Security Challenge questions.
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20. I am getting the "404 Page Not Found" error
when I try an access my account.
The most common reason for this error is that you may be using an
old link, bookmarked link, or old URL. Please visit and bookmark our
home page www.fremontbank.com,
to resolve this issue.
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Learn ways to protect your personal information by visiting our Fraud
Prevention page. If you have additional questions, please contact
us at 800-359-BANK (2265) or email onlinebanking@fremontbank.com.
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