Online Security

Your Account is Safe Online

In order to make your online banking experience as secure as possible, our Home Banking service has Enhanced Security, an extra layer of security working behind-the-scenes to protect your account at all times. The new security may – very infrequently – prompt you to verify your identify before continuing and you can bank online with confidence.

What is Enhanced Security?
If the system detects any activity that does not seem like your typical behavior, it will prompt you to further verify your identity so we can ensure it is you and not a fraudster attempting to compromise your account. This will only happen on rare occasions. Normally you will not be asked for any additional information. For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.

How do I get Enhanced Security?
Every member who registers for Qualstar Home Banking has this extra layer of protection. You will be prompted to choose “challenge questions” that only you know the answers to.

When will I be asked to answer the “challenge questions”?
You will only be prompted to answer the questions when activity appears to be unusual or uncharacteristic of your typical behavior, which is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.

How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as the computer(s) you typically use to access your account and the typical security settings for those computer(s). Factors such as these create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to be really you.

How do I know it is working?
Once you choose your challenge questions, the new security system will work automatically. That means you are being protected at every moment — when you are online and more importantly when you are not.

How will this help prevent online fraud?
If your username and password are stolen, the fraudster would have to be able to answer your challenge questions correctly before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information the activity will be blocked. This added layer of security helps us protect your online account at all times.

If I check my account very often, wouldn’t I know if something unusual showed up on my account?
It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This enhanced security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

I already have anti-virus and a personal firewall. Why do I need this?
We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against another kinds of threats such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.

What types of browsers can I use to access Qualstar Home Banking?
We support the current and prior major releases of Internet Explorer, Firefox, Safari and Chrome. When a new version is announced as Release to Web (RTW), support will cease on the third-oldest major version. Please note that utilizing older browsers may result in disabled functionality or limited access to services.

E-Mail with Confidence

You can e-mail your account questions and requests through our secure e-mail server and know your information is safe. So, if e-mail is your preferred form of communication feel free to drop us a note!

For security purposes, e-mail questions and requests will only be responded to via our secure e-mail server – simply log-in to Home Banking and click on “Secure E-Mail.” If you are not a Home Banking user, simply click on Sign-Up (also on our home page) and follow the steps for instant access.

You will be notified via e-mail at the address we have on file when your answer has been posted – simply log-in to Home Banking and click on “Secure E-Mail” or your “Messages” widget to view received messages and submit replies.

Members must be age 13 and above to access Home Banking and eStatements.