Tuesday 7th September 2010
Personal Finance
Online Banking
Online Banking code card
Published Date 5th October 2009
To safeguard your peace of mind when banking online, we have added an additional layer of security to our Online Banking service called the 'code card'.
The code card is simply a card that contains a list of 100 individual code numbers. The code card is unique for every customer and each code on the code card will only ever be used once. We have combined information that only you know (your registration number and Personal Access Code) with information that you will now have in your possession (the code card) this is known as '2nd factor authentication'.
You will be required to enter a code from your code card to complete certain transactions using Online Banking.
Security Warning
First Trust Bank is aware that fraudulent emails are being circulated to our customers at present. There has also been an increase in Trojan/Virus activity requesting code card numbers.
DO NOT give out ANY personal or security details including your Personal Access Code (PAC) or codes from your code card.
DO NOT enter a code(s) from your code card at log in.
DO contact us if you receive a fraudulent email or if you see any suspicious activity when using Online Banking.
If you receive an email requesting these details, do not click on any links, do not open any attachments and do not reply to the email. Immediately forward it to alert@aib.ie.
If you notice any unusual or suspicious activity when using Online Banking, stop using the computer and immediately contact First Trust Bank on 028 9034 6034.
Questions
- Do I need a code card?
- How can I order a code card?
- How will I get my code card?
- Where should I keep my code card?
- When will I be asked for a code from my code card?
- How do I use my code card?
- Will I need my code card every time I log in to Online Banking?
- What happens if I enter the wrong code from the code card?
- What happens if my code card is lost or stolen?
- What happens when I use up all the codes on my code card?
- Who can I contact if I need assistance using the code card?
- What are the benefits of the code card?
- Things you should know about Online Banking.
Do I need a code card?
You will need a code card to carry out certain transactions, when you select one of these services we will remind you that you need a code card to use the service and you will be asked to enter either one or two codes from your code card to complete the transaction.
back to indexHow can I order a code card?
If you have never previously held a code card you can order the card online through Online Banking.
The card can be ordered anytime when you select one of the services which requires a code from the code card, we will remind you that you need a code card to use the service and we will give you the option to order one there and then.
back to index
How will I get my code card?
When you order your code card online it will be sent to you in the post and you will receive it within 3-4 banking days.
If you do not receive your code card within this timeframe, please contact our customer service advisers on 028 9034 6034 between 8:30am and 5:00pm Monday to Friday.
Where should I keep my code card?
Your code card should be kept in a secure place and the codes on the card should never be divulged to any third party. It can be carried with you in your wallet or purse, allowing you to use the services which require a code(s) form your code card at any time.
When will I be asked for a code from my code card?
Once you have ordered and received your code card in the post, you will then be asked for a code from your code card when you use one of the following services:
- Set up and amend credit card and charge card bills
- Set up and amend UK bank and building society accounts
- One off transfers to UK bank and building society accounts
- One off bill payments to credit card and charge card bills
- Setting up a new Regular Payment
- Set up and view eStatements
- Card management self services
How do I use my code card?
Once you have ordered and received your code card in the post, you will be asked to enter a code(s) from your code card when using one of the services listed above.
Online Banking will ask you to enter a random code(s) from the list of 100 codes on your code card e.g code number 24.
You should input the 4-digit code corresponding to the code number on your code card to confirm your transaction.
If the code you entered is correct, your transaction will be completed succesfully. If the code you entered is incorrect, you will have two more attempts to enter the correct code.
If you are not successful on the next two attempts when entering a code from your code card, your transaction will not be processed and your code card will be 'locked'. You will be advised to contact a customer service adviser on 028 9034 6034.
Will I need my code card every time I log in to Online Banking?
No, you will NEVER be asked to enter a code from your code card to log in to Online and Phoneline Banking.
back to index
What happens if I enter the wrong code from the code card?
If the code you entered is incorrect on your first attempt to confirm a transaction, you will have two more attempts to enter the correct code. If you are not successful on the next two attempts when entering a code from your code card your transaction will not be processed and your code card will be 'locked'.
You will be advised to contact a customer service adviser on 028 9034 6034 between 8:30am and 5:00pm Monday to Friday.
What happens if my code card is lost or stolen?
If your code card is lost or stolen please contact our customer service advisers on 028 9034 6034 immediately. Our customer service advisers will cancel your code card straight away and upon your request order a new code card.
What happens when I use up all the codes on my code card?
To make things even more secure, your code card has a limited life - each code can be used just once. When you have used up most of your codes, you will automatically be issued with a new code card. So you don't need to worry about running out of codes or ordering another card.
Who can I contact if I need assistance using the code card?
Our customer service advisers are available on 028 9034 6034 between 8:30am and 5:00pm Monday to Friday to assist if you have any further queries relating to the code card.
What are the benefits of the code card?
Code cards enhance the security of Online Banking by providing you with an additional layer of protection when conducting transactions online and gives you continued access to secure online services.
Things you should know about Online Banking.
Take the following steps to protect yourself when banking online:
1. Only ever use a protected computer. Make sure your computer has up-to-date anti-virus software and a firewall installed.
2. Keep your log in information secure.
3. Check that you are accessing the Online Banking service through the correct website address, which is www.firtstrustbank.co.uk/onlinebanking. It is a good idea to bookmark our website address.
4. Once you select log in you should notice 'https' at the start of a website address. This indicates that you are using a secure connection.
5. Ensure that the security icon - the 'locked padlock' or 'unbroken key symbol' is showing at the bottom of your browser window. This indicates that you are in a secure session.
6. Make sure your browser is set to the highest level of security notification and monitoring. Check that you're using a recent browser version.