Another way Cole Taylor Bank is protecting your personal information online, in accordance with Federal Financial Institutions Examination Council (FFIEC) guidance.

The FFIEC guidance describes the enhanced authentication methods that banking regulators expect financial institutions to use when authenticating the identity of customers using on-line products and services.

What is CTSecure Online Account Authentication?
The CTSecure Online Account Authentication solution is an enhanced online security feature that will be a standard part of your ColeTaylor Online login.

As a part of Cole Taylor's ongoing commitment to help protect you against identity theft and fraud, the CTSecure solution provides you added safety by helping ensure that only you can access your bank account.

• CTSecure provides both site-to-user authentication and user- to-site authentication.
• CTSecure includes an image and a unique caption that will always display before you are asked to enter your password.
• By verifying that your image is correct, you will know that the site you are visiting is Cole Taylor's web site and not a "spoof" site.
• At the same time, CTSecure allows us to evaluate your computer to ensure that the login is not a fraudulent attempt to access your account information.

When you first enroll in CTSecure, we ask you to provide answers to three challenge questions. If there is ever an attempt to access your account(s) that we do not recognize, we will ask these questions.

What you need to remember about CTSecure Online Account Authentication:
Once you have signed up, NEVER enter sensitive information such as you password without seeing your image first.

How Cole Taylor's CTSecure Online Account Authentication Works:

1. Input your user ID and click 'Log In'.

2. If your computer is recognized by our systems, we will display your CTSecure image and caption.

Your Caption:

3. If your computer is not recognized, we will ask you one of your secret challenge questions. If you answer correctly, then we will display your image and caption.

4. Only after seeing your image and caption should you input your password to gain access to your Internet banking accounts.

First Time CTSecure Online Account Authentication Enrollement is Easy:

1. Select Cole Taylor Online from the dropdown menu on Cole Taylor Bank's homepage.
2. You will be prompted to select an image and enter a related caption that will be used later to identify the web site during login. During enrollment, you also select and answers three challenge questions that can be used if necessary to verify your identity.
   
   Note: CTSecure enrollment also creates a unique cookie that is stored on the computer and in the CTSecure database and is used to identify the device you used to enroll.
   
   
3. You then navigate to the Cole Taylor Online Login Page. This page prompts you to enter only your User ID. (A password is not yet required.)
4. If your User ID is valid and the device is recognized, the CTSecure Login Page is displayed showing the image and corresponding caption you selected at enrollment.
5. If the device is not recognized (i.e. the cookie is not found) then the system displays one of the challenge questions. At this point, you can choose whether to register the device or not.
6. Once you and the device are authenticated, enter your valid password on the ColeTaylor Online Login Page.

CTSecure Online Account Authentication "Anti-Phishing" Security:
On the Internet today, there have been attempts by "fraudsters" to steal your identity by impersonating the web sites you trust.

They try to trick people into revealing their personal information, such as passwords, by creating fake web sites that look very much like the sites of legitimate financial institutions. CTSecure is an enhanced security feature that helps us to proactively protect you against such attacks. By making sure you see your CTSecure image and caption before you enter your password, you can be sure you are not entering a fraudulent site.

In addition, you can be sure that we also recognize you as the true owner of your account. If we don’t recognize your computer, we will ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.

CTSecure Online Account Authentication Questions:

CTSecure Online Account Authentication Frequently Asked Questions

PLEASE NOTE:
Cole Taylor Bank will never request personal financial information via email. We advise our customers never to respond to unsolicited requests for personal financial information such as your Social Security Number or financial account numbers, regardless of whether such requests are made via telephone, mail, or e-mail. Be wary of emails containing links to authentic-looking web sites that ask for sensitive or identifying financial information.

Should you receive any e-mails requesting personal information, such as user IDs, passwords and security question information, please delete the email without responding. If you have any questions or feel you have been a victim of a "phishing" e-mail scam using Cole Taylor Bank web services, contact Customer Service at 847-653-7979.

Click to read our Personal Internet Banking Agreement.

Click to read more about Online Security

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