Internet Banking FAQ :: VyStar Credit Union

FREQUENTLY ASKED QUESTIONS FOR INTERNET BANKING USERS

Is Internet Banking Secure at VyStar Credit Union?

All information collected by or available on Internet Banking is protected through the use of the secure socket layer (SSL) protocol and 128-bit encryption. SSL is an encryption system that creates a secure environment for information that is passed between the member’s computer and VyStar Credit Union. When you click on the ‘GO’ button to access Internet Banking, your Log-In ID and Password are encrypted, immediately wrapped in a secure socket (the equivalent of a digitally secured page) and sent to the Internet Banking application. The application and your member information are completely secure when you are logging into Internet Banking.

How does VyStar Credit Union manage the privacy and security of personal and account information online?

VyStar Credit Union takes very seriously our responsibility for managing the privacy and security of your personal and account information online. When you are using VyStar Internet Banking, you are using a secure site. VyStar is committed to online technology and has taken steps to ensure that accessing your accounts via the Internet is safe and secure, by implementing state-of-the-art security standards. The confidentiality of your accounts is maintained as the data is passed from our host computer to your personal computer in an encrypted format, where your browser then decodes the information for you to view. This prevents the data from being intercepted and/or viewed by an unauthorized third party. VyStar has also installed secure firewalls to ensure that no unauthorized access is permitted.

Additionally, each user session is set up for a specific period of time. If you do not make a transaction within a specific time period, your session will time-out. If your session times out, and you are not finished using VyStar Internet Banking, you will need to log on again. This reduces "the window of opportunity" for an unauthorized user to access your account information if you walk away from your computer without logging off VyStar Internet Banking.

Every effort was made along the way, as the system was designed and developed, to ensure that this system is as secure as possible. The credit union is confident that offering you account access through VyStar Internet Banking is safe and that your account information remains confidential, as long as you follow safe computing standards.

To learn more about how we manage the privacy and security of your personal and account information online, we encourage you to read our "Privacy Statement" and "Internet Banking Security Statement".

What is encryption?

Encryption is a process used to scramble confidential data passed between two points so that it is not readable to others. 128-bit encryption is the most secure encryption currently available for use on the Internet. The "128" refers to the length of the encryption key used to scramble the data; the longer the key, the greater the security.

To use VyStar Internet Banking, a secure browser that supports 40 bit or 128 bit encryption is required. However, it is strongly recommended that you have a secure browser which supports 128 bit encryption.

How can I keep my account information confidential when using VyStar Internet Banking?

VyStar is confident that we have taken all of the necessary security precautions to ensure that our Internet account access service is secure and that your account information remains confidential. However, it is also your responsibility to play an active role in protecting the security of your accounts. Following are ways that you can protect yourself and your accounts:

Never share your password with anyone whom you do want to have access to your account. If you are the only one who knows your password, you have protected your accounts against unauthorized access. ALSO, REMEMBER THAT NO REPRESENTATIVE OF VYSTAR WILL EVER ASK YOU FOR YOUR VYSTAR INTERNET BANKING PASSWORD.
Change your password every 3 months. If you believe that your password has been compromised, change it immediately!
Do not walk away from your computer in the middle of an active VyStar Internet Banking session. If you are logged on, and walk away, anyone can sit down to your computer and have immediate access to your account(s). Always remember to log off when you are finished with your session.
VyStar strongly recommends that you clear your browser’s cache before you leave the VyStar Internet Banking site. This prevents someone else from being able to view your account information, which is temporarily stored on your computer. Check browser options for automatic cache clearing upon program exit.

What if I forget my VyStar Internet Banking Password?

If you forget your VyStar Internet Banking password, you will need to call VyStar toll free at 800-445-6289 or 904-777-6000 (in the Jacksonville area) and enter option '3' to speak to an Account Representative. The Account Representative will update your password for you.

Can I e-mail VyStar?

If you are including any personal or confidential information in your message such as, account numbers, social security numbers, PINs, etc., you should not use e-mail to correspond with VyStar. Today, most Internet-based e-mail is not secure and therefore would be inadequate for passing sensitive personal information over the Internet. Many times sensitive personal information will undoubtedly be involved in many e-mail communications, to and from members, we want to ensure that your privacy is protected.

VyStar Internet Banking does have a messaging system that provides a means for secure communications between members and the credit union. Just click on “Messages” at the top of the Internet Banking screen to access.

INTERNET BANKING