Multifactor Authentication

In the last year, more than nine million Americans were victims of identity theft, costing society about $50 billion. Phishing and pharming attacks are the fastest growing form of ID theft, increasing approximately 25% each month. Consumers and financial institutions, alike, are concerned about this growing threat. This is why we have implemented a new security system that not only allows the bank to identify you, but allows you to positively identify us.

How It Works

The Multifactor Authentication approach combines the traditional access ID and password with the identifying features of the customer’s computer. In addition, the customer, through the use of a secret image and phrase, verifies that the website he is viewing is legitimate.

Getting Started

Customers will automatically be prompted to enroll when they sign up for Online Banking. On the enrollment page, you will be asked to:

  1. Provide an email address
  2. Enter a pass phrase for the randomly selected authentication image.
    (Once enrolled you can change your image and pass phrase).
  3. Select and answer three challenge questions.

That’s it! You are now enrolled.

Frequently Asked Questions

If someone steals my password, will Multifactor Authentication prevent them from accessing my account?

Yes. If an unauthorized person tries to log in to your account from another computer, they will be asked one of your challenge questions. Without this additional personal information they will not be able to log in to your account.

What keeps someone from stealing my security image and pass phrase?

Your security image and pass phrase automatically appear only if you log in from a computer we already recognize as yours. If you log in from a different computer, we will ask one of your challenge questions before showing the image.

How do I know I'm at the valid Online Banking site?

Your secret security image and text phrase will appear confirming that you're at the bank's legitimate web site.

How do you know that I'm logging in from my own computer?

When you enroll, Multifactor Authentication 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.

If I delete cookies, will I have to register the computer again?

Not necessarily. If you have Adobe® Flash® Player installed on your computer, we will use Flash shared objects to identify your computer in the event that we can't identify your cookies. By using Flash shared objects as a backup method for recognizing you as a valid user, we ensure that your log in experience is as quick and convenient as possible.

Can I access Online Banking from multiple computers?

Yes, you can access Internet banking from any number of computers. If you log in from a computer that you haven't used for Online Banking before, you just need to answer one of your challenge questions to verify that it's you. You can register as many PCs as you like.

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. Just remember not to share your User ID, Password, or answers to your challenge questions.

Can I change my security image, text phrase, and challenge questions?

Yes, after logging in, select “Options”, then “Change Challenge Information”.

Community Bank of the Chesapeake will never ask you to change your security information, and we will never change it for you.

Is there a fee for using the Multifactor Authentication service?

Absolutely not! It's just one more way we're working with you to safeguard your privacy and security.