Keeping you secure
 What is PassMark Authentication?
What does PassMark consist of?
How does PassMark Authentication work?
Can I select my own image rather than the ones provided?
Can I change my image and text phrase?
How often can I change my secret image and pass phrase?
Will I need to change my password?
How is PassMark more secure?
If I lose my password, how will PassMark protect me?
Why do I need to set up challenge questions?
Can someone steal my image and caption?
When I enter my Log in ID, it asks me a question instead of showing my image.
What if I share my computer with someone who has their own account?
Can I access Online Banking from multiple computers?
I am an existing Online Banking user, How do I sign up for PassMark?
I am a new Online Banking user, how do I sign up for PassMark?
I have a joint account, will the other member(s) on my account need to set up their own PassMark information?
What if my secret image and pass phrase do not display?
How do you know that I'm logging in from my own computer?
When I get to the page that displays my PassMark and allows me to enter my password I’m entering the caption that displays with my PassMark image and I’m being told my password is incorrect, why is this happening?
What is PassMark Authentication?
PassMark Authentication provides enhanced and additional security for the online banking application. It is now a standard part of our online banking and works as part of our commitment to protect you against identity theft and fraud. PassMark Authentication adds extra layers of online security to prevent unauthorized access to your accounts and reinforces the fact that you are at SELCO’s Online Banking website.
What does PassMark Authentication Involve?
PassMark Authentication consists of the following: an image, a caption and three challenge questions. This information is known only to you and protects you, whether you are logging in to view your accounts from your own personal computer or another computer.
How does PassMark Authentication work?
Once you enter your user ID on the Online Banking login screen, click the Go link, your image will then be displayed along with the caption you create. This confirms that you are at SELCO’s Online Banking website and you are safe to enter your Password to access your information. Each time you log in from a different computer, the challenge questions will be asked to verify your identity. Once you provide the correct answers, your image and caption will display and you may enter your password. You will also be asked if you wish to register the computer from which you are logging in. If you select this option, the PassMark Authentication system will then capture the information about the computer so that you will not have to answer challenge questions the next time you log in from that same machine. See an animated example here.
How will the site be more secure?
The security upgrade will protect you from accidentally revealing your Account Number and Password to a fake site. In addition, if someone does somehow get your Account Number and Password, they will still not be able to access your account because they will not be at your registered computer and will have to get past the challenge questions.
How do I know I'm at the valid Online Banking site?
Your secret image and text phrase will appear confirming that you're at the SELCO Community Credit Union Online Banking website.
Can I select my own image rather than the ones provided?
Yes, you can provide your own image. The system will include a link that will allow you to upload the image of your choice. The image should be 100 x 100 pixels in size and will need to be one of which you personally own the rights. The system will automatically resize the image if it is larger than 100 x 100 pixels in size. You cannot upload a copyrighted image.
Will I need to change my password?
No. Your password remains the same.
How is PassMark Authentication more secure?
PassMark Authentication protects you from accidentally or unknowingly revealing your user ID and password to an imposter or a fraudulent website. By entering your User ID and clicking Go, we are able to provide you with your image and caption. If the image presented is the one that you selected, you can feel secure in entering your password to proceed..
In addition, if someone does get your user ID and password and attempts to login, they will be using a computer that you did not register, therefore, the system will present the user with challenge questions. Since they will not know the answers to the questions that you provided during the set up process, they will be turned away and the financial institution will be notified
If I lose my password, how will PassMark prevent someone else from accessing my account?
When an unauthorized person tries to sign in from another computer, the system will recognize that they're using a different computer, and will ask one of your challenge questions. An unauthorized person will not know the answers to your unique challenge questions, and will be unable to log into your account.
If someone steals my password, will PassMark 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.
Why do I need to set up challenge questions?
Challenge questions and answers provide information known only to you. They help prevent unauthorized access to your account information. If someone else has access to your user ID and password, they will not know the answer to your challenge question and will not be able to get to your information.
What are the challenge questions used for?
When you log in from a computer you have not registered, you will be asked to answer one of your challenge questions to verify your identity.
Are answers to the challenge questions case sensitive?
No. The answers are not case sensitive.
Can someone steal my PassMark Authentication image and caption?
No, your image and caption is only shown to you if you login to a computer that has been registered or if you have successfully responded to the challenge question(s) that have been asked. It is not possible for an unauthorized person to get access to your image.
When I enter my Log in ID, it asks me a question instead of showing my image. Why?
This is to help verify that it's really you signing in. There are several reasons why you might be challenged. These challenge questions are meant to keep imposters out because only you know the answers to these questions.
Some reasons might be:
- You are logging in from a different computer
- You are logging in from a different browser
- Your token is missing from your computer because you cleared all the cookies on your computer or your cookie/token disappeared
- You incorrectly typed your User ID on the first attempt
If you are challenged, answer the question with the correct answer, and you are correctly shown your image.
What if I share my computer with someone who has their own account? Can we both login from the same machine?
Yes, you can use the same computer to log into your individual accounts. There is no limit on how many people can log into the Online Banking from the same computer.
Can I change my image and text phrase?
Yes, to make the change, simply click on the Change Passmark link under ‘My Profile’ on the Online Banking menu. If you are having difficulty, you can contact the SELCO Community Credit Union for assistance at (541) 686-8000 or (800) 445-4483.
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 just need to answer one of your challenge questions to verify that it's you. You can register as many PCs as you like.
How do I enroll for PassMark?
You will automatically be prompted to enroll once the new system is in place for Online Banking.
I am an existing Online Banking user, How do I sign up for PassMark?
Signing up for and using PassMark is quick and easy. If you are already enrolled in Online Banking the next time you sign in you will be prompted to set up your PassMark image, caption and three challenge questions.
I have a joint account, will the other member(s) on my account need to set up their own PassMark information?
No. If you have a joint account you must share your information with the other members on the account. They will need to know your PassMark image and caption, along with the challenge questions and answers that you selected. It is highly recommended that all individuals on a joint account set up PassMark together.
How often can I change my secret image and pass phrase?
You may change your secret image and pass phrase as many times as you wish.
What if my secret image and pass phrase do not display when
logging in?
If you are logging in from a computer that you have registered before and the image and pass phrase do not match your own, DO NOT ENTER YOUR PASSWORD. Contact SELCO Community Credit Union at (541) 686-8000 or (800) 445-4483.
How do you know that I'm logging in from my own computer?
When you enroll, PassMark 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.
When I get to the page that displays my PassMark and allows me to enter my password I’m entering the caption that displays with my PassMark image and I’m being told my password is incorrect, why is this happening?
Your PassMark image caption is not your password. Please enter the password that you normally use for Online Banking.
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1-800-445-4483