1. How do I know my information is secure?
We have designed a distributed security network that ensures protection throughout the process. Distributed security means that rather than relying on one security measure, we rely on several. Among those we use are authentication, encryption, and automatic time-outs.

All sessions are encrypted. That means your passcode and all the information relating to you and your accounts employ some of the strongest forms of cryptography that are commercially available for use over the Internet. If for any reason your secure session ends, your session terminates automatically.

When information is sent via the Internet, the information is broken down into separate packages—called packets—before leaving your computer. These packets are reassembled when they reach IB Processing Center. Since millions of packets are sent over the Internet at any given moment, it would be extremely difficult for a hacker to find all those relating to you.

Your name and full account number are never sent over the Internet. So even if someone intercepts a transmission, the information he/she obtains won’t be useful.

2. What is encryption?
Encryption is the process of turning meaningful words and numbers into a coded language. Software programs can essentially turn your account information into gibberish that can only be understood by you and First Financial Bank.

3. How does encryption work?
Everything that travels through cyberspace during your session becomes a string of unrecognizable numbers before entering the Internet. Only system computers and your Internet browser understand the mathematical formulas that turn your banking session into numeric code, and then back to meaningful information.

4. How do I know if my banking session is encrypted?
Your banking session is encrypted when a key appears in the lower right corner of your screen in Netscape Navigator, and when a lock appears in the lower
right corner of your screen in Microsoft Internet Explorer.

If it is not a secure session, the key will be broken in Netscape or there will be no lock in Explorer. If for some reason your secure session ends, your banking session terminates. You will also see the URL address with “https://’; this indicates the site is secure.

5. What type of encryption do I need?
We require you to use 128-bit (domestic or U.S. grade) encryption if possible, which is available on the latest versions of the Netscape Navigator and Internet Explorer browsers.

6. How do I know that I am on a secure Internet site?
There are several ways to check that a site is secure. Look at the site address; if it begins with “https”, it is secure. Another way to check is to see if you have a padlock graphic at the bottom of your browser window. Double-click on this item to get more detailed security information.

7. Why do I see a Security Verification screen?
If there is no activity on your session for 10 minutes, the session is locked to prevent someone else from using your account. When you try to continue working, a Security Verification screen will appear. Type in your passcode and click enter to continue.

8. How do I change my Security Verification Question?
On the User Services screen, click Change Security Verification Question. You will see your current Security Verification Question and Answer, click edit to change it.  Choose a new Question, and enter your reply in the Answer box and submit.

9. How do I exit securely?
To exit securely:

10. What can I do to maximize security on this site?
You are responsible for securing your information while it is on your computer. Here are some things you can do.

11. What if I think someone has illegally obtained my access ID or Password?
If you think someone my have illegally obtained your Access ID or Password, immediately call First Financial Bank at 1-218-584-5161 Monday through Friday during regular business hours from 8 a.m. to 5 p.m.