Online Security Your Account is Secure with Qualstar Online Services

African-American couple with a tablet

In order to make your online banking experience as secure as possible, our Mobile (device) and Home (desktop) Banking services have layers of security working behind-the-scenes to protect your account at all times. Protecting your account and personal information is our priority!

Every member who uses Qualstar Online Services has these layers of protection built-in - some frequently asked questions are listed below.

Members must be age 13 and above to access Online Services and eStatements.

  • How are Qualstar Mobile and Home Banking Secure?

    If you make changes to your personal or contact information, the system will prompt you to further verify your identity via a text message verification PIN so we can ensure it is you and not a fraudster attempting to “take over” your account. When you are accessing your account from your usual devices and performing typical inquiries and transactions, you will likely not be asked for any additional information. However, if someone tries to log-in with your username and password from a computer outside of your normal access location after you have logged off from your normal computer at home, or if you want to change an address, phone number or email address, we will verify it is really you by prompting a verification PIN via text.

  • What can I do to make sure my access is secure?

    Sign-up for Email and/or Text Alerts to ensure you know as soon as unauthorized activity has occurred on your account – alerts can range from an alert for every log-in (if you don’t log-in more than weekly) to alerts for specific types of transactions based on account and/or dollar amount. You can also choose to prompt a verification PIN via text for all log-ins, if you are someone who doesn’t log-in more than once a month.

    IMPORTANT: Never share a verification PIN! The moment you share a verification PIN with someone who isn’t on your account, you could be responsible for any unauthorized activity that occurs. Qualstar representatives will never ask you to share a PIN, and in the event anyone does asks you to provide a PIN you should contact us immediately.

  • How is Qualstar 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.

  • Wouldn't I know if something unusual was happening on my account even if I don't log-in regularly?

    Unauthorized access and activity is typically done when a fraudster knows someone isn’t actively monitoring an account. Therefore, it is always a good idea to regularly monitor your account for any unusual activity (like payments or transfers you didn’t make.) Using the tools referenced here is the best line of defense to keep your account and personal information safe.

    Please Note: In order to keep your online access active, one log-in every six (6) months is required – if a log-in doesn’t occur during that timeframe, access will be deactivated and re-enrollment is required (any recurring transfers, alerts and external accounts will need to be reinstated by the user.)

  • Shouldn't I already be protected with my own antivirus software and personal firewall?

    We are glad to hear you use antivirus and a personal firewall! Be sure to keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. The built-in security of Qualstar Online Services protects against other kinds of threats such as a stolen username and password and email hacking/compromise. It works with your other personal security programs, but it does not replace them.

  • What is the best way to access Qualstar Online Services from a PC/laptop or mobile device?

    For Mobile Banking access, we highly encourage you to download the latest version of our Mobile Banking app to your iPhone or Android device(s.) This will ensure you are using the most recent functionality available and getting the best experience.

    For desktop Home Banking access, we support the current and prior major releases of Edge, Firefox, Safari, and Chrome.1 When a new version is announced as Release to Web (RTW), support will cease on the third-oldest major version. Please note: Utilizing older browsers could result in disabled functionality or limited access to services.

    1 Internet Explorer (IE) is no longer supported by Microsoft as of 6/15/22 – we do not recommend using IE after that date.

  • Can I communicate with Qualstar via email?

    You can email your account questions and requests through our Secure Message center and know your information is safe. So, if email is your preferred form of communication feel free to drop us a note from Mobile (device) or Home (desktop) Banking!

    For security purposes, e-mail questions and requests will only be responded to via Secure Email – simply log-in to Mobile (device) or Home (desktop) Banking and click on “Secure Messages.” If you are not an Online Services user, simply click on “Enroll” from the log-in screen of our Mobile Banking app (or upper left corner of our desktop website) and follow the steps for instant account access.

    You will be notified via email at the address we have on file when your answer has been posted; you will also see a message notification when you log-in to Mobile (device) or Home (desktop) Banking – simply access the “Secure Messages” widget to view received messages and submit replies.

    You may also receive secure emails from account and loan representatives – these messages are sent outside of Online Services, via a separate secure portal. When you receive an email to let you know a message has been sent, follow the link and you will be prompted to create a username and password in order to access, view, and reply to those messages.