• Defend against identity theft and fraud.
• Provide security from any computer, wherever you are.
• Make it easy for you to bank online anytime, anywhere.

Frequently Asked Questions:

What is Enhanced Login Security?
Enhanced Login Security is a new online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security helps prevent unauthorized access to your accounts and secure financial information.

What does Enhanced Login Security do for me?
Enhanced Login Security will allow us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we don't recognize your computer, we will request additional information that is known by only you, to ensure authorized access.

Why do I need to enroll in Enhanced Login Security?
As online fraud and identity theft become more prevalent and complex, financial institutions have sought to keep pace to protect members’ personal and confidential information. To assist credit unions’ efforts, the NCUA and Federal Financial Institutions Examination Council (FFIEC) have developed guidelines on member account authentication and risk monitoring. One of the best ways to verify your identity is through Enhanced Login Security. Enhanced Login Security uses more than just one factor such as member number and password to verify your identity when you log on to Home Banking.

How does Enhanced Login Security work?
If you have not enrolled in Enhanced Login Security you will be prompted to select a Validation Question and Answer and provide us with a valid email address. You will then add extra security to each computer that you use for Home Banking. This can be done easily from the Enhanced Login Security prompt or the User Options page. Whenever you login from a computer that you have added extra security to, you will automatically have additional protection, and notice no difference in the way you login. However if you login from a different computer than the one you have added, you will be asked for additional information in order to login.

How do you recognize my computer?
When you add extra security to your computer, a secure cookie will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by the Town of Hempstead Employees Federal Credit Union to validate your identity and does not contain any personal information.

Can I login from multiple computers and browsers?
Yes, you can login from as many different computers and browsers as you like. If you login from a computer that you haven't added extra security to, you will be asked for additional information so that we can verify that it's really you. If you provide this information correctly, you will have the option to add extra security to that computer, and avoid being asked for this extra information again.

Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.

What should I do if I do not want to use a computer that I have previously added extra security to?
If, for any reason, you no longer plan on using a computer to access your accounts, and you have added extra security to that computer, you should remove the extra security from that computer. This can be done by logging into your account from the computer that you wish to remove the extra security from and selecting the "remove extra security from this computer" option from the User Options page. This will remove the secure cookie from that browser; so if an attempt to login to your account is made from that computer, extra information will be requested before access is granted.

Why do I keep getting asked for extra information when I login from a computer that I have already added extra security to?
This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your machine. This is a common method that Spyware software uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for additional information at each login, the secure cookie that we use to identify your computer must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for additional information at each login.

Can I opt out of this feature?
Enhanced Login Security is mandatory due to requirements of the Federal Financial Institutions Examination Council (FFIEC). Should you wish to opt-out of this feature, you will need to close out your online banking access.

What happens if I get locked out?
A key benefit to enrolling in Enhanced Login Security is the ability to reset your own password. By clicking on the Forgot My Password link on the Internet Account Access Sign On page, you are able to reset your own password by answering your Validation Question. Whenever you use the forgotten password link you will receive an email notification as an added layer of security. If you still cannot access your account, contact us at 516-867-4730 and a Member Service Representative will be glad to help you gain access.

Can I change my validation questions/answers?
Yes, the validation questions and answers can be updated within Home Banking by choosing User Options and then choosing "Challenge Question Setup."