![]() FFIEC Consumer Guidance |

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Online Security is our top priority! |
Understanding the FactorsOnline security begins with the authentication process, used to confirm that it is you, and not someone who has stolen your identity. Authentication generally involves one or more basic factors:
Single factor authorization uses one of these methods; multi-factor authorization uses more than one, and thus is considered a stronger fraud deterrent. When you use your ATM card, for example, you are utilizing multi-factor authentication: Factor number one is something you have, your ATM card; factor number two is something you know, your PIN. To assure your continued security online, we use both single and multi-factor authentication, as well as additional “layered security” measures when appropriate. |
Layered Security For Increased SafetyLayered security is characterized by the use of different controls at different points in a transaction process so that a weakness in one control is generally compensated for by the strength of a different control. An example of layered security might be that you follow one process to log in (user/password), and then give additional information to authorize funds transfers. |
Internal Assessments At USLAOn the back-end, the new supervisory guidance offers ways for us to look for anomalies that could indicate fraud. The goal is to ensure that the level of authentication called for in a particular transaction is appropriate to the transaction’s level of risk. Accordingly, we have concluded a comprehensive risk-assessment of our current methods as recommended in this supervisory guidance. These risk assessments consider, for example:
Whenever increased risk to your transaction security might warrant it, we will be able to conduct additional verification procedures, or layers of control, such as:
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Your Protections Under “Reg E”Banks follow specific rules for electronic transactions issued by the Federal Reserve Board. Known as Regulation E, the rules cover all kinds of situations revolving around transfers made electronically. Under the consumer protections provided under Reg E, you can recover internet banking losses according to how soon you detect and report them. |
Customer Vigilance: The First Line Of DefenseOf course, understanding the risks and knowing how fraudsters might trick you is a critical step in protecting yourself online. You can make your computer safer by installing and updating regularly your
You can also learn more about online safety and security at these websites: |
If You Have SuspicionsIf you notice suspicious activity within your account or experience security-related events (such as a phishing email from someone purporting to be USLA), you can contact us at 800-373-8752 or by email at onlinebanking@uslabank.com and you will be quickly and courteously guided to the person responsible for such issues. |
