Online Banking Security

Protecting your personal information is our top priority.
To make Online Banking safer and to give you greater protection from online fraud you will be asked to enroll in our Enhanced Online Security System as part of the Online Banking login process.

Enrolling in Our Enhanced Online Security System

To enroll in Enhanced Online Security you will need to:

  1. Provide your email address.
  2. Select and answer three challenge questions.
  3. Select the appropriate "Register Computer" option from the drop down.
    Note: Only register personal computers that you frequently use and are not available for public use.
  4. Click Submit.

If you have any trouble enrolling or have any questions, please call our Online Banking Support at 1-866-868-1919.

You can also check out Frequently Asked Questions about Enhanced Online Security for assistance during enrollment.

GREEN Address Bar - Security you can check

Before entering your password or answering the Security Challenge, check your browser's address bar. We've added an additional layer of security that shows if you are connected to a safe server. If your browser's address bar is GREEN, your connection is safe. If it's not GREEN, stop your log in process and contact us. Here's how the GREEN address bar may appear in your browser:

The Challenge Method you choose will protect your account data when you're logging in from a computer our system doesn't recognize.

To verify your identity, you will choose one of the following "Challenge Methods":

E-Mail Challenge
This will send a one-time use password to your personal e-mail address.

Challenge Questions
Using this method, you will select 3 pre-defined questions and 2 questions of your choice along with the answers to them. Example: "What was the name of your first pet?"
What is Enhanced Online Security?
Southern Commerce Bank is proud to deliver the highest level of security for our Online Banking customers. Enhanced Online Security is an additional layer of security that keeps your personal information secure and helps protect you from fraud and identity theft.
How does Enhanced Online Security work?
The System uses multiple layers of security ensuring unauthorized users cannot gain access to your accounts. We do this by verifying three important criteria: Your Log In Credentials, Your Device, and Your Location. Before entering your password or answering the Security Challenge, check your browser's address bar. We've added an additional layer of security that shows if you are connected to a safe server. If your browser's address bar is GREEN, your connection is safe. If it's not GREEN, stop your log in process and contact us.
How do I enroll for Enhanced Online Security?
You will be prompted to enroll when you log in to Online Banking. Simply enter or update your E-mail Address, select and provide answers for three challenge questions, and select whether the computer you are logging in with is a personal computer or a public computer.
What Challenge Methods are available?
There are two challenge methods available, e-mail or challenge question/answer. Text message option is not available.
What is the impact if I enter my mobile number in the e-mail address field?
All future e-mail communications we send to you will be redirected to the mobile number. This includes notification of e.Statement availability, important communications, and/or new product and service notifications.
If someone steals my password, will Enhanced Online Security prevent them from accessing my account?
Yes. If an unauthorized person tries to log in to your account from another computer, they will be challenged using the Challenge Method you choose at enrollment. Without this additional personal information they will not be able to log in to your account.
How do I know I'm at the valid Online Banking site?
Before entering your password or answering the Security Challenge, check your browser's address bar. We've added an additional layer of security that shows if you are connected to a safe server. If your browser's address bar is GREEN, your connection is safe. If it's not GREEN, stop your log in process and contact us.
Can I access Online Banking from multiple computers?
Yes, you can access Online Banking from any number of computers. If you log in from a computer that you haven't used for Online Banking before, you will need to verify your identity by entering a one-time passcode sent to your e-mail address or by answering the challenge questions you have established.
I share my computer with someone who also uses Southern Commerce Bank Online Banking. Can both of us still log in from this computer?
Yes. There's no limit to how many people can log in to Online Banking from the same computer. Remember not to share your Access ID, Password, or answers to your challenge questions.
Can I change my challenge questions?
Yes. You can change your Security Questions and Answers anytime in Online Banking under Options > Change Security Data.
SAFETY TIP: Southern Commerce Bank will never ask you to change your private information, and we will never change it for you.