This standard security feature for Home Banking is one more way to protect against online fraud and to help secure your online transactions and account activity. It identifies you as the true owner of your accounts by recognizing not only your password but your computer as well. If we don't recognize your computer, we'll ask you for information that only you will know as an additional line of defense to prevent unauthorized access. With Enhanced Login Security, you'll be protected from whatever computer you're using, whether you're at home or on the go.

• Aids in the fight against ID theft and fraud.
• Provides additional login security from any computer, wherever you are.
• Makes it easy for you to bank online anytime, anywhere.

Learn more about Enhanced Login Security by viewing a brief demo.

We want you, your computer, and your personal information to be safe on the Internet, whether you're visiting our website or any other website. We've created a security mini-site to provide important information and suggestions to help you stay safe online.

ID theft is always in the news. Many reports would have us believe that ID theft is most commonly caused when crooks steal your information online. But according to The 2005 Javelin Identity Fraud Survey Report published by Javelin Strategy & Research and released by the Better Business Bureau, ID theft is more likely to occur off-line than online using paper-based records such as stolen wallets, check books, account statements, receipts, or other transaction records.

Here are some simple guidelines to help protect against ID theft:

• Order and review copies of your credit report once a year to ensure they are accurate.
• Keep an eye on your account throughout the year by reading your monthly/periodic statements thoroughly.
• Shred pre-approved credit offers, receipts and other personal information that link your name to
• account numbers. Don't leave your ATM or credit card receipts in public trash cans.
• When you pay bills, don't put them in your mailbox with the red flag up. That's like a flashing neon light telling crooks to grab your information. Use Online Bill Pay, a locked mailbox, or the post office.
• Protect your account information. Don't write your PIN on your ATM or debit card.
• Don't write your social security number or credit card account number on a check.
• Cover your hand when you're entering your PIN at an ATM or check-out stand.
• Don't carry your Social Security card, passport or birth certificate unless you need it that day.
• Take all but one or two credit cards out of your wallet, and keep a list at home of your account information and customer service telephone numbers. If your wallet is lost or stolen, you'll only have to notify a few of your creditors and the information will be handy.
• Never provide personal or credit card information over the phone, unless you initiated the call.

We believe you will be better protected from ID theft and online security risks if you are better informed and aware of the resources available to you. The Internet is a great place to learn more from trusted and reliable sources. The links below are just a small sample of what's available.

• FDIC: Don't be an Online Victim: How to Guard Against Internet Thieves and Electronic Scams
• The Federal Trade Commission National Resource about Identity Theft
• State of Utah ID Theft Resource