Customer Login What is Security? Why do I need Security? How are Security more secure? Why am I being asked a question when I try to log-in? How do you know I am logging in from my own computer? Can I access my account from multiple computers? I share my computer with someone who has their own bank account. Can both of us still log-in from this machine? What happens if someone steals my password? How will Security keep them from accessing my account? What is Phishing? I am trying to log-in from my own computer, but the bank’s web site is not showing me my Security. Instead, it is asking me a question. What is happening? What is Trojan or Key Logger? How do Security protect me from a Trojan or Key Logger? 1. What is Security? Security provides you added safety by helping ensure that only you can access your bank account. 2. Why do I need Security? Security is a feature that helps protect you while you access your on-line account. On the Internet today, fraudsters attempt to steal your identity by impersonating the web sites you trust. Schwab Bank is committed to proactively protecting you, our customer, against such attacks. Your Security helps us to do this. 3. How are Security more secure? Security protect you from accidentally revealing your User Name and password to a fake site. In addition, if someone does somehow get your User Name and password, they will still not be able to access your account because they are not at your registered computer(s). 4. Why am I being asked a question when I try to log-in? You will be asked a secret question, when it’s detected that you are trying to log-in from a new computer. This is to prevent someone with stolen passwords from logging into your account. Since only you know the answer to the questions, we will know it’s really you. Generally you will be asked to answer a secret question only when you log-in for the first time from a new computer. After you answer the question, you will be asked whether this computer should be remembered for future log-ins. If you are using a personal computer, you should answer yes. If you are using a public terminal, you will want to answer no. 5. How do you know I am logging in from my own computer? When you log-in for the first time from a new computer, we put a secure (encrypted) cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. The cookie is visible only to the bank web site and does not contain any of your personal information. When you log-in after that, your web browser sends us this cookie. This lets us know that this is your computer. 6. Can I access my account from multiple computers? Yes, you can still access your bank account from any number of computers. If you log-in from a new computer or a public terminal, you will just need to go trough one extra step of answering a secret question. This helps protect you by keeping unauthorized people from accessing your information. There is no limit on how many different computers you can use to log-in to your bank account. 7. I share my computer with someone who has their own bank account. Can both of us still log-in from this machine? Yes, you can both use the same computer to log-in to your individual bank accounts. There is no limit on how many people can log-in into the bank web site from the same computer. 8. What happens if someone steals my password? How will Security keep them from accessing my account? When someone tries to log-in using your stolen User Name and password, we will recognize that they are logging in from a different computer, and ask them a secret question. Since only you know the answers to your secret questions, they will not be able to give a correct answer. They will not be able to log-in. 9. What is Phishing? Recently there have been attempts by fraudsters 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. They send out emails randomly with links to these fake web sites. The phenomenon has been called Phishing, (pronounced "fishing"). 10. I am trying to log-in from my own computer, but the bank’s web site is not showing me my Security. Instead, it is asking me a question. What is happening? Before answering a secret question or entering your password, make sure that you are going to the legitimate bank web site. The easiest way to ensure this is by typing the URL of the bank (http://www.schwabbank.com/) directly into your web browser. Then, after you answer the security question, you should see your secret Security next to the password. If your Security are there, you can be confident that you are at the legitimate web site and can enter your password. If you are still uncertain if this is the legitimate bank web site, contact customer service at: 1-888-403-9000 for assistance. 11. What is Trojan or Key Logger? Some fraudsters have been putting programs on random computers in order to harvest your User Name and password information used to log-in to web sites. They collect this information and secretly transmit it to their own computers and attempt to log-in to your site. These are called Trojans (short for Trojan Horse) or Key Loggers (for logging your keystrokes). 12. How do Security protect me from a Trojan or Key Logger? Once you have Security and have registered your computer, even if a fraudster steals your User Name and password, their computer will not be registered and they will not be able to log-in as you; thus, Security protect your identity and your account.