Online security is more important than ever and Provident takes it to the next level. See below for answers to common questions you might have about this secure way of signing onto online banking.
- What online banking security features are in place?
- How much does it cost to sign up for online banking?
- Where do I enter my Password?
- How does Provident's security features keep my information safe?
- Can I still sign on to online banking from Provident's home page?
- What is the purpose of online banking security features?
- Why am I being asked a question when I try to sign on?
- Can I access my account from multiple computers or mobile phones?
- I share my computer with someone who has their own account. Can both of us sign on to Provident's online banking from this machine?
- Can I change my Personal Security Image and its name?
- I am trying to sign on from my own computer, but the Web site is not showing me my Personal Security Image and its name. Instead, it is asking me a question. What is happening?
- What if I have a joint account? Does each person have their own separate image and caption?
- I already have anti-virus and a personal firewall. Why do I need this?
- Provident's site is telling me I need to turn on cookies, but they are on. What's wrong?
- I've set my cookie-blocking software to allow providentcu.org cookies from being blocked. Why am I still getting cookie-related errors when I try to sign on?
- Can I use my Safari browser to access Provident's site?
- Can I use my FireFox browser to access Provident's site?
What online banking security features are in place?
Our security features adds a layer of protection to your online account by letting you know it's really us, and letting us know it's really you when you sign on to online banking.
Letting you know it’s really us:
- You pick one of thousands of images (or upload your own) and enter a brief name describing the image.
- When you sign on to your account your Personal Security Image and its name will appear before you enter your password.
- Seeing your Personal Security Image and its name will let you know that you are at the real Provident online banking site and not a look-alike. This means it is safe to enter your password.
- If the correct image and its name do not appear do not enter your password.
Remember: Once you have signed up, NEVER enter your password without first seeing your Personal Security Image and its name.
Letting us know it’s really you:
- This security feature will recognize the computers you normally use to access Provident's online banking.
- If you or someone else attempts to sign on from a new or unrecognized computer, you will need to answer a security question that only you should know the answer to before being allowed to continue (other security conditions may also trigger us asking you a security question). You set up your security questions upon first time enrollment. You can also make changes at anytime by going to the "Manage Your Profile" page within online banking.
- Upon logging into online banking you will also be required to verify that you are not a robot by selecting from a variety of images using reCAPTCHA. This security feature prevents unauthorized robot login attempts and blocks potential cyber-attacks.
How much does it cost to sign up for online banking?
There is absolutely no cost to you to enroll and use all of the online banking services including:
- Account balances and history
- Bill Pay
- E-Deposit: electronic check deposit
Where do I enter my password?
You will be prompted to enter your password when you see your Personal Security Image and its name. To begin signing into your account simply enter your User ID and click the "Sign On" button located at the top of any page on our web site (providentcu.org).
How does Provident's security features keep my information safe?
Provident takes the safety and security of your accounts very seriously, and we take extensive safeguards to protect your information and your funds. Provident's online banking security features protect you from accidentally revealing your password to a fake site. In addition, if others try to sign on to your account from another computer, they will be asked a security question to which only you should know the answer. In addition Provident has implemented reCAPTCHA, a tool used to block robot login attempts and potential cyber-attacks.
Can I still sign on to online banking from Provident's home page?
Yes, the sign-on section for online banking is available in the top left section of every page of our web site. Simply enter your User ID and click the "Sign On" button. You will then be taken to another page to confirm your personal security image and name. If this is correct, enter your Password and click "Sign On".
What is the purpose of online banking security features?
As time goes on, there are more and more attempts by fraudsters trying to trick people into revealing their personal information, such as passwords or PINs, by creating fake Web sites that look very much like the sites of legitimate financial institutions (such as credit unions or banks). These fraudsters send out e-mails with links to these fake Web sites claiming that you need to sign on to your account by clicking the link. This phenomenon has been called Phishing, (pronounced "fishing"). We are committed to proactively protecting you, our member, against these types of threats. By making sure you always see your Personal Security Image and Caption before entering your personal information, you can ensure your information is being entered into a legitimate site.
Why am I being asked a question when I try to sign on?
We ask you one of your security questions when we detect that you are trying to sign on from a new or unrecognized computer. This helps us makes sure it's really you trying to access your account. However, if you are using a public computer or one you don't normally use for home banking, you will be prompted to answer a security question. Other circumstances can also potentially trigger a security question to be asked too, even if you are using a computer you have asked us to remember.
Can I access my account from multiple computers or mobile phones?
Yes, you can access your account from any number of computers or mobile phones. If you sign on from a new or unrecognized computer you will first need to answer one or more security questions before your Personal Security Image is displayed. This helps us verify your identity and make sure it is really you trying to access your account. There is no limit on how many different computers or phones you can use to sign on to your account, as long as internet access is available.
I share my computer with someone who has their own account. Can both of us sign on to Provident's online banking from this machine?
Yes, you can both use the same computer to sign on to your individual accounts. There is no limit on how many people can sign on to online banking from the same computer.
Can I change my Personal Security Image and Caption?
Yes, you can change your Personal Security Image and Caption at any time. To make the change, go to the "Manage Your Profile" link after you sign on to your account.
I am trying to sign on from my own computer, but the Web site is not showing me my Personal Security Image and Caption. Instead, it is asking me a question. What is happening?
This might happen in some cases if you have deleted all cookies on your computer. Additionally, other conditions can also trigger the asking of a security question, even if you are using a computer you have asked us to remember (if you have recently changed your security questions, image, or caption, for instance). Before answering a security question or entering your password, make sure that you are going to the legitimate Provident Web site. The easiest way to ensure this is by typing the URL (the Internet location address) of Provident (providentcu.org) directly into your web browser. Enter your User ID at the top of the screen and click "Sign On". Then, you should see your Personal Security Image and Caption next to the password field. If your Personal Security Image and Caption appear, you can be confident that you are at the legitimate Provident online banking Web site and can safely enter your password.
Remember: Once you have set up your security image, caption, and questions, NEVER enter your password without first seeing your Personal Security Image and Caption.
What if I have a joint account? Does each person have their own separate image and caption?
The images, captions, and security questions are associated with a particular User ID. So if 2 people are sharing the same User ID for a shared account, then they would also need to both know what the images, captions, and answers to the security questions are. If 2 people have separate user IDs, then they will have 2 different security images.
I already have anti-virus and a personal firewall. Why do I need these additional security features?
We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. Provident's security feature protects against other kinds of threats such as a stolen User ID and password. It works with your other personal security programs, but it does not replace them.
Provident's site is telling me I need to turn on cookies, but they are on. What's wrong?
There are three likely possibilities for problems like this:
- We might have had trouble detecting your cookie support. This is especially likely to happen if you right click on the page to refresh it, but there may be other ways it could happen as well. If this happens to you just click on the "click here to continue" link in the message to re-check for cookies.
- Another possibility is that you may be running software that interferes with cookie usage. There are many filtering and blocking software packages available which may filter out cookies. If you are running software like this, then you may have to change its settings to allow the Provident site to set and read cookies.
- Finally, your machine may be behind a firewall or proxy server that prevents cookie transmission. This happens mostly in corporate environments. So, regardless of your browser settings, cookies won't be sent or received by your browser. Since the cookies aren't making it through the corporate network to your browser, the Web Site will assume you personally aren't accepting them. If this is happening to you, your IT or IS department would need to change their software settings in order to allow Provident's cookies through.
I've set my cookie-blocking software to allow providentcu.org cookies from being blocked. Why am I still getting cookie-related errors on the Provident site?
In addition, some of our functionality is provided by partner companies, and that functionality can be curtailed if their sites are blocked from using cookies, so they should also be added to any exception list you maintain:
- e-Deposit: https://rdc.ensenta.com
- Mortgage status, mortgage application, etc.: http://providentcu.mortgage-application.net, https://providentcu.mortgage-application.net
- Loan application (auto loan, personal loan, Visa): https://new-accounts.providentcu.org
- Visa Online Services (Statements, Disputes, and Payments): https://apstp.pscu.com, https://apphx.pscu.com
- Retirement Central: https://www2.iraservicecenter.com
- Check re-ordering: orderpoint.deluxe.com
Can I use my Safari browser to access Provident's site?
We do support Safari on our site, in fact the site was designed on a Mac and is regularly tested in Safari. However, the default configuration for cookies in Safari, to accept cookies "only from sites you navigate to," can cause problems because the Provident site combines pages from more than one site domain. Even when these domains are all coming from Provident, Safari still considers them to be separate sites, and blocks the cookies from one of them, due to this setting. This is easily fixed if you make the following changes in Safari:
- In Safari, click on the "Safari" menu at the top of the screen, and select "Preferences…".
- In the window that opens, click on the "Privacy" icon.
- Next to where it says "Block cookies and other website data", select "Never".
Can I use my FireFox browser to access Provident's site?
We do support FireFox on our site, and usually this is not a problem. However, if you've ever had FireFox version 1 or earlier on your computer, it may be set to allow "only cookies from the originating server". This value may be retained even after you upgraded to version 2 or later, which does not have this setting visible. This can cause problems because the Provident site combines pages from more than one site domain. Even when these domains are all coming from Provident, FireFox still considers them to be separate sites, and blocks the cookies from one of them, due to this setting. This is easily fixed with the following steps:
- In FireFox, type "about:config" into the address field at the top of the window, where site addresses are normally shown.
- On the page that opens, type "cookie" into the "filter" field in order to reduce the number of configuration options shown.
- Find the line "network.cookie.cookieBehavior" and double-click on it.
- Change the "1" to "0" (zero).
- The first step depends on your Operating System:
- Windows: In FireFox, click on the "FireFox" menu at the top of the screen, and select "Preferences…".
- Mac OS X: In FireFox, click on the "Tools" menu at the top of the window, and select "Options…".
- In the window that opens, click on the "Privacy" icon.
- Under the "History" heading, change the "Firefox will:" menu to "Use custom settings for history".
- Un-check the "Accept cookies from sites" checkbox, then click on the "Exceptions" button.
- Enter the sites from the previous answer, one at a time, into the "Address of website" field, clicking the "Allow" button after each one.
- Click the "Close" button (Windows) or close the "Exceptions - Cookies" window normally (Mac). Then click the "OK" button (Windows) or close the "Privacy" window (Mac).