Security FAQ

What is Phishing?
Phishing (pronounced "Fishing") is a form of criminal activity that employs social engineering techniques to acquire sensitive information such as passwords and credit card details. By masquerading as a trustworthy person or business in an apparently official electronic communication like e-mail, criminals use sophisticated lures to "fish" for users' financial information and passwords.

Should I ever provide my User ID or Password information in an e-mail?
You should not provide your User ID or Password information in an e-mail unless the means of sending the message is secure.

What is Spoofing?
Spoofing is the attempt to send an e-mail from an invalid source. These types of messages appear to be coming from a valid source, but actually attempt to lure you into providing personal information.

Does the Authentication guidance apply to both retail and commercial customers?
Yes, the guidance applies to both retail and commercial customers.

What do I do if I have responded to a phishing attempt?
Based on the information that was compromised and the data that was shared each situation could have a different response.  At Old Second, we'll help you decide which is the best approach to take to help correct what has been done. Contact Security@oldsecond.com, to have a Fraud Specialist help you determine the best course of action needed.

Would someone from the Bank be able to change my Security Questions or Watermark?
No, the Bank will not have the ability to change the information that the user selected. The Bank will be able to assist with password resets. 

Is the Authentication guidance required for all Banks?
Yes, the Authentication guidance is affecting all Banks.

Are there times where single-factor authentication would be adequate?
Single-factor authentication alone would be adequate for electronic banking applications that do not process high-risk transactions, (ie: systems that do not allow funds to be transferred to other parties or that do not permit access to customer information.)

What is a Watermark?
A Watermark is a security feature that is part of your sign on information. A Watermark's purpose is to attempt to prevent unauthorized access to your account and a reassurance to you that you are at the Bank's actual site. This is an added feature to enhance your security.

What is the purpose of a Watermark and why do I need to have one?
The main reason for having a Watermark is to ensure that access to your account is protected. Additionally, the Watermark is to make sure that you are the authorized user for the account in which you are signing into. By recognizing your Watermark during the sign on process, you should feel more secure knowing that you are at the Bank's website.  

How does the Watermark provide more security?
The Watermark is a way for you to identify that you are at the Bank's actual website. This is a way to validate your identity to ensure that you are the correct person logging into the authorized account.

What Purpose do Security Questions Serve?
Security Questions are used to help prevent unauthorized users from accessing your Online account. Even if your Online ID and password have been stolen, the system will now recognize the location in which you are signing in. This will prompt a Security Question for a second level of authenticating your access.

What is Enhanced Online Security?
Old Second is proud to deliver the highest level of security for our Internet Banking customers. We've added an additional layer of security to our login process called Enhanced Online Security. This helps ensure that your information is secure, protecting you from fraud and identity theft.

Has my NetTeller password changed?
No. You can still use your current password to log into your NetTeller Internet Banking account.

How do I enroll or apply for Enhanced Online Security?
The NetTeller System will automatically present the enrollment screen when you log into your NetTeller Internet Banking account.

How do I know I am at the valid NetTeller Internet Banking site?
Your previously selected image will appear confirming that you are at the Old Second Bank's NetTeller Website.

If someone steals my password, will Enhanced Online Security assist in preventing them from accessing my account?
If someone steals my password, will Enhanced Online Security assist in preventing them from accessing my account?

What prevents someone from stealing my private image and pass phrase?
Your selected image will 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 displaying the image.

How do I contact the bank for further assistance with Enhanced Online Security?
The Old Second Support Center staff is available to answer any of your questions regarding Enhanced Online Security by calling (630) 892-0202 or by sending a message to supportcenter@oldsecond.com.

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