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San Joaquin Bank offers a wide range of specialized services designed to attract and service the needs of commercial customers and account holders. Click below for more information on some of our services. |
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| In order to make your online banking experience as secure as possible we are introducing a new security feature that watches for uncharacteristic or unusual behavior involving your account.
If anything out of the ordinary is detected, we will ask you to verify your identity. |
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In case we detect any unusual or uncharacteristic activity, we will ask you to answer two security questions to make sure that it’s really you. Most of the time you won’t notice that the security feature is even there… but it will still be protecting you 24/7.
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As our customer, we know how you typically behave: what types of transactions you conduct, when and from where. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity—so that we can ensure it is you and not a fraudster attempting to compromise your account. This will only happen on rare occasions.
Normally you will not be asked for any additional information.
For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.
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We are rolling out the new security system to all of our customers. Expect to be prompted at some point while banking online to enter additional information. This may include choosing several security questions that only you know the answers to. Once this occurs you have added a layer of protection to your account!
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Your answers should be something you can easily remember, yet not readily known by others. Try to avoid using answers that will change over time. If you share account access with anyone else, you may want to establish your security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in. Enter your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions.
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There is absolutely no cost associated with the new security system. This is just part of our on-going commitment to providing you with the highest levels of security available.
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No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.
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You will only be prompted to answer some of your security questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.
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Yes, you can both use the same computer to log-in to your individual accounts. There is no limit to the number of people that can log-in to various websites from the same computer. However, you should consider choosing security questions to which only you will know the answer.
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Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
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The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your accounts, or the typical security settings for your computer. Hundreds of factors such as these create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to actually be you.
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If you are prompted for your security questions and you do not remember your answers you may contact NetTeller support at 661-281-0360.
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No. Your security questions and answers are separate from your NetTeller ID and password, which will not change. To further safeguard your accounts, we do recommend that you change your password frequently, at least every 90 days.
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You only need to complete the set-up process once; afterwards the new security system will work automatically. That means you are being protected every moment — when you are online and more importantly when you are not.
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Yes. In fact, your personal information is safer than ever before because we are making sure it is really you and not an unauthorized user trying to access your information.
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If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your online account at all times.
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It is great you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidents from ever occurring, so when you check your account everything is exactly how it should be.
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We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against other kinds of threats such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.
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We prompt you for your password after you’ve identified yourself by your Login ID and we have identified the device from which you are logging in. This allows us to determine whether or not you are already enrolled in Multi Factor Authentication and enables us to present your Multi Factor Authentication image before entering your password. By presenting your Multi Factor Authentication image, it allows you to be sure that you are connecting to San Joaquin Bank’s site before entering your password.
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The image is your way to know that you are on San Joaquin Bank’s legitimate site. It is intended to protect you from phishing.
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Phishing, (pronounced fishing), is the act of sending an e-mail to a user, falsely claiming to be a legitimate enterprise in an effort to scam the user into surrendering private information. The e-mail directs the user to visit a web site where they are asked to update personal information such as passwords, credit cards, social security number, and financial institution account numbers - information that the legitimate enterprise already has. The web site is designed to steal the user’s information, which is often used for identity theft. The e-mail may state something like, “Your account will expire if you do not log on and update your profile.” |
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This might happen in rare cases. Before entering your password, make sure that you are going to our legitimate website. The easiest way to ensure this is by typing our URL (http://www.sjbank.com) directly into your web browser. If you are on the legitimate site you should see your personal image. If your personal image and NetTeller ID are there, you can be confident that you are at our legitimate website and can enter your password.
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Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your personal image and NetTeller ID
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