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fraud & security center > Enhanced Login Security
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Enhanced Login Security
Missoula Federal Credit Union introduces Enhanced Login Security
(ELS), a higher level of protection for your account information.
ELS will help protect your account from fraudulent access, by requiring
more information at login. You'll also get confirmation that you
are on MFCU's site, not a look-alike.
To begin, return to our Home Page and click on the 'Register for
ELS' link above the login box. You'll be asked to choose a series
of questions our system can use to identify you in the future. You'll
also set up a personal security phrase that will show when you log
in, so you'll be certain you're not entering your account information
on a fraudulent site.
If you're enrolling from your home computer, or a computer that
others don't have access to, you may register that computer and
avoid having to answer a security question each time you log in.
If you access your account from a public computer or one that others
use, you'll want to keep the computer unregistered. You'll answer
one of your security questions each time you log in, but it will
keep your account information safer.
Tips for logging in to ELS:
- If nothing happens when you click the
'register' or 'login' links at left, check to make sure you have
*.missoulafcu.org and *.lanxtra.com added to your trusted sites
list.
- Do not enter your password in the form at left. Enter your member
number, and the security code displayed in red. The security code
will be different each time you visit this page.
- On the ELS confirmation page, enter your account password, not
the security phrase shown.
- If you've never accessed your account online, you must register
for Miss Web access at a Missoula Federal Credit Union branch.
Glossary:
Username: (seen on initial login page) You may specify
a username to log in to your account, if you prefer to use one instead
of your member number. A username is optional--you may continue
to log in through ELS with your member number.
Security Code: (seen on intial login page) The security
code is an extra security measure used to prevent fraudsters from
randomly selecting account numbers. The security code is a random
set of characters, and will be different each time you login to
Miss Web.
Password: (seen on login confirmation page) You will
be assigned a password when you register for Miss Web (for members
who were using Miss Web before ELS, your password will remain the
same). You will be asked to enter your password.
Personal Security Phrase:(seen on
login confirmation page) You determine your personal security
phrase when you enroll in ELS. This phrase shows up as an image
when you log in after enrollment, and it is your assurance that
you are on the Missoula Federal Credit Union web site, not a fraudulent
look-alike site.
Frequently Asked Questions
Q. Why is this new way of logging in necessary?
A. The FFIEC (Federal Financial Institutions Examination
Council) issued guidelines in 2006 that direct all financial institutions
to improve their online banking by adding "multi factor authentication."
Missoula Federal Credit Union is dedicated to protecting your identity
and the security of your personal financial information. Therefore,
users of Miss Web are now required to set up and use this enhanced
login security. This enhanced login security helps protect your
account from fraudulent transactions. Additional authentication
factors, combined with your account number and password, provide
extra layers of security for your account. The new ELS security
will also include a variety of monitoring activities. For example,
one feature will track the specific computer you typically use to
access your account. If you sign on to Miss Web from the same computer
on a regular basis and then log on from a different computer, you'll
notice some additional security measures. You may be asked some
questions to verify your identity before being able to login. With
these extra layers of security in place, your account information
will have the enhanced security that is required by the FFIEC. The
information below explains the changes you can expect.
Q. What happens after I enroll in Enhanced Login Security (ELS)?
A. The login process is changing in three ways:
1. Login will become a multiple step process instead of one screen
where you enter your Member Number and Password. You will now enter
your Member Number and a random Security Code.
2. The next screen will prompt you to enter the answer to one of
the three Security Questions you entered during enrollment. The
answers to your Security Questions are case sensitive.
3. The next screen will prompt you to enter your Password and to
verify a Personal Security Image that you created during enrollment.
Q. What if I forget my Username?
A. Log in with your Member Number as your Username, and once logged
in, check the settings under the Enhanced Login Security to determine
or change your Username.
Q. What if I forget my Password or my Security Question answers?
A. Please call our Service Center at 406-523-3300 or visit any
of our branch locations to have your login information reset.
Q. Will I still have access to all the same account(s) online?
A. Yes. This process only affects how you login, not your Miss
Web accounts.
Q. What will happen to my Bill Pay settings, account alerts,
or any other saved settings within Miss Web that I had set up before
this change?
A. Any of the above that you had previously set up within your
Miss Web settings will remain the same.
Q. Can I change my Enhanced Login Security (ELS) settings?
A. Yes, once you enroll and enter your initial authentication
settings, you can change them any time by simply clicking on the
"More" button and then the "Enhanced Login Security"
button while logged into Miss Web.
Q. Once enrolled, what exactly happens with Enhanced Login Security
(ELS)?
A. When you login to Miss Web, you will be prompted to do three
things:
1. Enter your Member Number and a random Security Code.
2. Answer one of your Security Questions for identification verification.
3. Register the computer browser you use to login to Miss Web and
enter your Password. The computer browser registration will consist
of placing a cookie onto your browser.
Q. What are the Security Questions for?
A. Once you've enrolled in Enhanced Login Security (ELS), the
questions serve as a back-up security measure - they are used when
you login from a computer browser you have not registered (meaning
you have not placed the security cookie on it). For example, if
you login from a computer at a public library, you would be asked
to provide the answers to your Security Questions because that computer
is not the computer you registered.
Q. What happens when I sign in from a computer that Miss Web
banking does not recognize?
A. Our system will ask if you want to register and authenticate
the computer browser with a cookie. If you register the computer
browser, the system will install a "cookie" and register
the computer so that you won't have to enter a security question
each time you login. This is not recommended if you login from a
public computer. You will have the option to not register and authenticate
the computer browser.
Q. If I delete the cookie, what happens?
A. If you delete the Enhanced Login Security cookie, you will
be prompted to answer the security questions at your next login.
Then you should re-register your computer.
Q. What if I have a spyware program that deletes all cookies
from my computer?
A. You will be asked to answer your security questions every
time you login if the cookie is deleted by yourself or by a spyware
program that may be on your computer.
Q. Once I have added Enhanced Login Security to my computer
browser, what do I do if I need to access my Miss Web Banking account
from a non-registered computer?
A. When you login (with your Member Number), you will be prompted
to answer your security questions. If you choose to, you can then
also register and authenticate that computer browser. This is not
recommended if you login from a public computer. Finally, you'll
be asked to enter your Member Number and Password and verify your
Personal Security Image.
Q. Why all this attention to the login process?
A. While the chances of identity theft or monetary loss are
slim, there are those malicious entities on the Internet that look
to fraudulently gain from unsuspecting individuals. One of the most
popular methods of fraud is through impersonating individuals during
the login process. It is our intention to make this process as difficult
as possible for these fraudsters while keeping your internet banking
experience as hassle-free as possible.
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