Your security is important to us, so we have made security enhancements to your Internet banking account. Read the following Frequently Asked Questions (FAQs) for more details about the upgrade and what you can expect. If you have any questions that aren't answered below, please contact Customer Care at 765-529-2230 (800-487-2118).
If your current login doesn't meet the enhanced security standards, you may be prompted to update your username, password or both.
We care deeply about keeping your money safe while providing you with easy access to your accounts. With the continued growth of online banking, there are increased needs for greater security standards to keep you and your money well protected. In addition, the government issued new guidelines, calling for enhanced security measures for online banking. Thus, we are upgrading our security procedures to provide you with the best protection available. Our new security standards will make it even safer for you to monitor and manage your money while safeguarding against unauthorized access to your accounts.
To update your username and password, go to the "My Profile" page and click on the link for "Change User ID" and "Change Password," respectively. Then, create a new username and password that meet the following requirements:
User ID criteria:
You will be guided through an easy three-step process:
Step 1: The system will check your current username and password to see if they meet the new security standards stated above. If the username and/or password need to be updated, you will be prompted on screen to make the change before proceeding. Otherwise you will see a message stating that your login is fine.
Step 2: The system will check if your phone number(s) and an email address are registered. If any phone numbers or email addresses are identified, the system will display them and allow you to review and edit them if desired. If you do not have any phone numbers registered, you will be prompted to enter up to two phone numbers. These numbers will be used to send you a one-time passcode via a voice call or SMS text message (you choose the method). You can also elect to receive your one-time passcode through email. You will be able to click a link to provide an email address during this step. By default you will be shown the email address within your online banking profile, and any change to this email address will be saved as your primary email address within your online banking profile.
Step 3: Finally, you will need to respond to a secondary challenge with any of your registered devices from Step 2. You will have the opportunity to go back to Step 2 to provide a new device if you realize you have made an input error. Once you have successfully completed the secondary challenge, you will see a confirmation message and you will have the option to have your computer (or mobile device) remembered so that you can skip this step in the future. Note: If you have enabled a phone number for SMS in Step 2, you will not be challenged again given that SMS enrollment requires you successfully complete a challenge there; instead, you will be presented with a success message and you can choose for your device to be remembered before entering online banking.
What information is contained in the automated voice call or SMS text message? What information is contained in an email message?
Information within an automated voice call:
"Hello, this is Ameriana Bank. Please press pound to receive your 6 digit access code."
[1.5 second pause and your unique one-time passcode will be provided.] Press # to repeat.
Information within a SMS text message:
Ameriana Bank Access Code. Your access code is XXXXXX. Reply HELP for help.
Sample Email Message:
You've requested a one-time Internet banking passcode for authentication purposes: your one-time passcode is XXXXXX. This code can only be used one time - you will need to request a new code the next time you're asked to provide one. If you did not request a one-time passcode to be sent to your email address, or if you believe you've received this email in error, please contact Customer Care at 75-529-2230 (800-487-2118) for further assistance. Please do not reply to this email.
If you have a US-based mobile phone, you can use it to receive a one-time passcode via SMS text or automated voice call as long as your wireless carrier and your current wireless plan is supported within the country you are visiting.
We are implementing what is known as "multifactor authentication" which makes it more difficult for phishers and attackers to access your accounts without you knowing it. While this might seem unfamiliar, you actually use it every time you visit an ATM. When you access your account from any ATM, you need both your ATM card (something that you have) and PIN (something that you know). We're implementing the same type of protection by using both your username and password and your phone or email to access your account. By doing this, even if a phisher or an attacker manages to steal your password and tries to use it to log in, they would be unsuccessful because they would need your phone or access to your email as well.
If your username or password does not currently meet the new standards, update this information now. If you don't complete the update before the security upgrade goes live, then you will be prompted to strengthen your username and password upon your first login after the security upgrade. At that time, you also must have a cellphone or a landline phone and provide the phone number or email address to receive your one-time passcode. You will need this phone or access to your email every time that you need to receive an access code.
The first time you attempt to log in from a new computer, you will need to use both your password and the access code you receive on your phone or via email in order to log in. If you are accessing from a private computer that you personally use, you can opt for the system to remember your computer for future logins. By doing this, you will not need to repeat the step of obtaining an access code via phone or email, and you will only need your username and password in the future to log in. for the best security protection, we suggest that you always use both your phone or email and your password. If you do opt to have your computer remembered, we recommend that you do so only on computers that you personally own and that have the latest updates and virus protection software installed on them.
The first time you log in from another computer or mobile device, you will need to use both your password and a new one-time passcode to log in. However, you can choose to have your new computer/mobile device remembered on the system so you only need your username and password for future access to your account online.
We support Internet Explorer 8 and 9, the latest versions of Firefox and Chrome and the latest versions of Safari for Mac OS X. As of January 2012, we no longer support Internet Explorer 7.