Protecting your Online Banking account information is as important to us as it is to you. That is why the following controls have been put into place.
- SSL Protocol - NetTeller access requires you to use a web browser that uses SSL protocol. SSL stands for Secure Socket Layer, which lets one computer verify another's identity to allow secure connections.
- 128 Bit Encryption - To ensure the highest level of security, we required that all users have browsers that support 128 bit encryption. We use the latest encoding technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in code, which can be decoded later with the right "key". When you request information about your accounts, the request is sent encrypted to Kentucky Farmers Bank. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it.
- Firewalls - A Firewall is a specially programmed computer that connects a local network to the Internet and, for security reasons, lets only certain kinds of messages in and out.
- PIN Security System - To keep unauthorized individuals from accessing your account by guessing your PIN, we have instituted a PIN security system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system for 24 hours. Your account is not accessible via Online Banking throughout this 24-hour lockout period.
- Automatic Log-Off - If you are logged on to Online Banking but do not perform any activity for 10 minutes, you will not be able to proceed until you "re-log" on to the system.
- Pseudo Names - We do not pass your account numbers over the Internet. When you fill out your application, you will be asked to personally name your accounts. In a nutshell, these pseudo names overwrite your account number so you have easy recognition without the risk.
- Multi Factor Authentication - To ensure your identity, MFA (Multi-Factor Authentication) checks your login and activity of your online banking for patterns. If an unusual event arises, it then invokes you to answer questions that you have chosen to prove your identity. Some examples of patterns it looks at are you IP address, your PC identification number, and times and locations of your logins.
Although Kentucky Farmers Bank strives to maintain the highest level of security, your account privacy depends a large part on you. Here are several things you can do to keep your account information secure.
- Don't reveal your User ID or PIN to anyone else. Your User ID and PIN are designed to protect your banking information, but they will only work if you keep them to yourself.
- Avoid selecting codes based on personal information.
- Avoid keeping written records of your codes.
- Change your Online Banking PINs frequently.
- Don't walk away from your computer if you are in the middle of an Online Banking session.
- Once you have finished your Online Banking session, sign off before visiting other Internet sites.
If you elect to become a BillPay customer, you will receive a separate set of Login Codes in the mail. These codes will be used for the initial access and activation of BillPay.