Cooper State Bank goes to great length to protect you and your money from identity theft and fraud. We've further enhanced our security by adding new, state-of-the-art features for your protection. Always use our online banking service by typing in CSBANK.com in your browser address bar and never follow a link from an outside website or any email.

THINGS TO THINK ABOUT

Risks differ based on where you conduct your business. Whether you use your own computer or a public computer (such as one at a library, hotel, or our branch) we've got you covered.  Our systems offer varying levels of security features that look at multiple factors before authorizing access to your account information.

FIRST TIME LOGIN & ENROLLMENT

One-time enrolling is fast and simple! Visit in CSBANK.COM in your browser and click First Time User Setup.  You will enter a few pieces of information to help us establish your identity:

• Account Number:
• Account Type:
  (Default Checking)
• Last Four Digits of SSN#:
  (NOTE: Use telephone banking PIN instead of last four digits of SSN# if registered)
• Mother's Maiden Name:
• City of Birth:
  

• An authentication image will be presented.  Create your own personal pass phrase and memorize both image and phrase.  Once enrolled, we will display this image and phrase each time we request you enter a password to access your account.  This feature protects you from scams known as “phishing” that attempt to dupe you into providing your account access information at illicit web sites. 
  
• Select three challenge questions and provide answers.  You will be requested to supply the answer to these questions the next time you access your account from a public computer.
• Indicate if the computer you are currently using is a personal computer (i.e. home) or public computer (i.e. library or branch).  You should consult your employer before registering a computer used at work.

LOGGING IN

• Visit in CSBANK.COM in your browser and type in your Access ID in the field on the frontpage and click Log On.
  
  
• Once you have registered a computer, we will recognize you the next time you log in. Otherwise you may have to answer Security Challenge *read below* to automatically register a new computer.
• Confirm the image and pass phrase. 
  If you don’t see your image and pass phrase, don’t enter your password.  Contact us immediately.
  
• Enter you password, then click Submit.  You are now securely logged into your account.

USING A PUBLIC COMPUTER

A public computer is simply one you don’t want registered (such as one at a library or at a hotel).  Using a public computer requires additional security procedures before allowing access to your account information.  This feature provides full security coverage no matter where you log in.

SECURITY CHALLENGE

• Log in using your Access ID.
• You will be prompted to provide an answer to one of the security questions provided at time of enrollment.
• Select whether you want to register this computer.  Do not register if you are using a public computer.
• Click Submit and confirm the image and pass phrase before entering your password.  If you don’t see your image and pass phrase, don’t enter your password.  Contact us immediately.
• Enter your password and click Submit.  You are now securely logged into your account.

CHANGE SECURITY DATA

Once you successfully log into On-Line Banking, you may change Authentication Image, Authentication Pass Phrase or the 3 challenge Questions and Answers.  

• Log in using your Access ID.
• Selection Options and then Change Security Data.
• Click the Change Image hyperlink to view alternative images.
• Click on the image you wish to use and you will be returned to the Change Security Data screen. 
• Click Submit and you will be returned to the initial screen.  A message will also be displayed that indicates the security data was changed successfully.