Online Security -
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Online Security

Net24 Security

Unique ID and Password — In order to access CNB’s Net24, you must enter a unique User ID and Password. We strongly recommend that you use a passphrase for your password. A passphrase is a sentence or a phrase that is unique to you. A strong passphrase can be a fact about you or someone you know. For example, I may use the first letter of each word of the sentence, "My mom and dad were married in 1958 @ 2PM!" which would make my passphrase "Mmadwmi1958@2PM!". This passphrase is easy for me to remember but difficult for a hacker to obtain. Your password is the key to protecting your personal information.

Account Names — CNB does not display your account numbers on Net24. You choose a "pseudo" name for each of your accounts. For example, a pseudo name would be checking account, savings account, and loan account. You can change your "pseudo" account names under the "Options" tab of Net24.

Multi-Factor Authentication — CNB's multi-factor authentication feature enhances our ability to verify your identity when you access Net24. You supply us with three questions and answers that only you know. If we detect unusual or suspicious activity, we will ask you to answer your security questions to make sure that it's really you.

Cookies — When using Net24, our Internet Banking Service Provider passes a cookie to your computer in order to identify your computer during a session. A cookie is a small piece of data sent from a website and is stored on your computer. The cookie identifies your computer while your are logged on. This cookie does not contain any personal information; it simply provides another level of security for our online banking. Users must accept this cookie to use our online banking product.

Automatic Log-off — If you are logged on to Net24 but do not use it for 10 minutes, you will not be able to proceed until you "re-log" onto the system.

Password "lockout" System — To keep unauthorized individuals from accessing your account by guessing your password; we have instituted a password lockout system. If your password is entered incorrectly a certain number of consecutive times, the user is "locked out" of the system. You must contact the bank for your account to be reset and the system to become "unlocked.

Fraud Awareness

The following are ways fraudsters may trick you:

Phishing — Fraudsters trick you into entering personal information, such as account numbers and passwords by luring you to a fake website (an example is one that looks like a trusted financial institution).

Pharming — Similar to phishing, pharmers seek to obtain personal information by directing you to a bogus website where your information is stolen.

Malware — Short for malicious software, is designed to damage or take control of your computer without your knowledge and your personal information such as IDs, passwords, PINs, and account numbers are forwarded to fraudsters.

Installing and updating your anti-virus software, anti-malware programs, firewalls on your computer, and operating system patches and updates can make your computer safer.

Secure Data Transfer

Encryption — The latest encryption technology reduces the risk that your confidential account information could be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right "key." When you request information about your accounts, the information is sent across the web in an encrypted format to CNB. We decode your request and send the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.

Router and Firewall

Other Security Measures — In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.

How you can protect your Internet security

While CNB works to protect your banking privacy, you will also play an important role protecting your accounts. There are a number of steps you can take to ensure that your CNB account information is protected, including:

  • Keep your password to yourself.
  • Change your password frequently. Passwords must be a combination of letters, numbers, and specified special characters (the system requires a password change every 180 days).
  • Remain at your computer until your CNB transactions are completed then log out. Log out of CNB Online Banking prior to visiting other Internet sites.
  • If you notice suspicious or unusual activity on your CNB accounts, call 304-258-1520 or 1-888-258-1520 (long distance).
  • Do not change your "pseudo" name for your CNB accounts to your account numbers.