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Morrill & Janes Bank

Multi-Factor Authentication FAQ


What are the new security features?

Morrill & Janes Bank is proud to deliver the highest level of security for our Internet banking customers. We're adding an additional layer of security to our log in process. This helps ensure that your information is secure, protecting you from fraud and identity theft.

How do the new security features work?

The new system verifies your identity in two ways. Every time you log in to Internet banking Morrill & Janes identifies you, and it lets you identify Morrill & Janes using a secret image and pass phrase.

Why do we need these new security features? 

We’re adding another layer of security to protect our customers’ information and their online banking accounts.  The new features also guards against ever-increasing e-mail scams called phishing and pharming.

Has my password changed? 

No. You can still use your current password for logging in to Personal ebanking.

How do I sign up for the new security features? 

Beginning December 11, customers will automatically be prompted to the enrollment screen when they log in to Personal ebanking. The process is very easy to use.  Just follow the prompts to activate the security features and then log into Personal eBanking.

If someone steals my Password, will the new security features prevent them from accessing account? 

Yes. If an unauthorized person tries to log in to your account from another computer, they will be asked one of your challenge questions.  Without this additional personal information they will not be able to log in to your account.

What keeps someone from stealing my security image and pass phrase? 

Your security image and pass phrase automatically appear only if you log in from a computer we already recognize as yours.  If you log in from a different computer, we will ask one of your challenge questions before showing the image.

How do I know I'm at the valid Morrill & Janes site?

Your security image and text phrase will appear confirming that you're at Morrill & Janes Bank’s legitimate web site.

How do you know that I'm logging in from my own computer?

When you enroll, Morrill & Janes uses a cookie to identify your computer.  Each time you log in, our software identifies your computer, your IP address, and other unique identifiers. The cookie is secure and does not contain any personal information.

If I delete cookies, will I have to register the computer again?

Not necessarily. If you have Adobe® Flash® Player installed on your computer, we will use Flash shared objects to identify your computer in the event that we can't identify your cookies. By using Flash shared objects as a backup method for recognizing you as a valid user, we ensure that your log in experience is as quick and convenient as possible.

Can I access Personal ebanking from multiple computers?

Yes, you can access Internet banking from any number of computers. If you log in from a computer that you haven't used for Internet banking before, you just need to answer one of your challenge questions to verify that it's you. You can register as many PCs as you like.

I share my computer with someone who also uses Personal eBanking. Can both of us still log in from this computer?

Yes. There's no limit to how many people can log in to Internet banking from the same computer.  Remember not to share your User ID, Password, or answers to your challenge questions.

Can I change my security image, text phrase, and challenge questions?

Yes, after logging in, select Options, then select Change Security Data.  SAFETY TIP: Our financial institution will never ask you to change your security information, and we will never change it for you.

Is there a fee for using the new security features?

No, it is free.  Its just one more way we're working with you to safeguard your privacy and security.