Learn More About ImageKey - Frequently Asked Questions

What is ImageKey?
ImageKey is a new, additional layer of online security feature that is now a standard part of your Online Banking login experience. As part of our ongoing commitment to help protect you against identity theft and fraud, ImageKey helps prevent unauthorized access to your accounts while reassuring you that you are at the valid Omni Bank, N.A. (“Omni”) Website. ImageKey consists of 3 parts: an image, an image title, and 3 challenge questions that are secrets between you and Omni. All 3 parts help protect you, whether you are logging in to Online Banking from your own computer, or from somewhere else (such as work or a public library.

Why do I need ImageKey?
ImageKey helps to ensure your information is secure by protecting you from fraud and identity theft in 2 ways. (1) It helps you recognize that you are at the valid Online Banking site at Omni, rather than at a phony look-alike site. (2) You can ensure that we also recognize you as the true owner of your account because ImageKey helps us verify your identity with your chosen image and image description. If we do not recognize your computer, we will ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.

How does ImageKey work?
ImageKey is made up of 3 parts: an image, image title, and 3 challenge questions that no one else knows. When you are at your own computer, enter your Access ID. Then click on the Submit button and we will show your secret ImageKey and image title, which verifies that you are at the valid Online Banking site at Omni. You know it is safe to enter your Password.
When you are logging in from a different computer, we ask one of your challenge questions to verify your identity. When you answer correctly, the secret image and image title appears. You know it is safe to enter you Password and login; and we know that it is really you.

Has my Password changed?
No. The image, image title, and 3 challenge questions and answers you provide are separate from your regular Online Banking login Password.

Does ImageKey use cookies?
One of the ways we recognize you is by placing a cookie on your computer when you sign up for our ImageKey service. The cookie contains a randomly generated, unique number used as an identifier. When you login after that, your Web browser sends us this cookie, which lets us know that you are using your own computer. The cookie is visible only to the Online Banking site at Omni and does not contain any personal information. You can also access Online Banking from any number of computers and have the same ImageKey protections.

How is ImageKey more secure?
ImageKey helps you know that you are at the valid Online Banking site at Omni before you enter your Password. In addition, we know it is really you signing in because we recognize your computer or we ask you a challenge question to verify your identity.

Why do I need to set up challenge questions?
Challenge questions help prevent unauthorized people from getting access to your Online Banking information. That way, even if they have stolen your Access ID and Password, they will not know the answer to the secret question. And if someone logs in from a computer that we do not recognize (for example, if you log in from a public library), we will ask you a challenge question to verify that it is really you.

What if someone steals my Password? How will ImageKey prevent them from accessing my account?
When an unauthorized person tries to sign in from another computer, we will recognize that they are using a different computer, and so we will ask one of your challenge questions. They will not know the answer and will not be able to login to your account.

What keeps somebody from stealing my secret image and image title?
After you enter your Access ID and click on the Submit button, we only show your secret image and image title automatically if you login from a computer we recognize as your computer. If you are at a different computer, we ask one of your challenge questions before showing the image.

When I enter my Access ID, it asks me a question instead of showing my secret image. Why?
This is to help verify that it is really you logging in. We ask a challenge question when you are signing in from a computer we do not recognize. Your correct answer confirms that it is really you.

How do I know I am at the genuine Online Banking site?
ImageKey will help you figure that out. Type the correct address (www.omnibankna.com) directly into your Web browser. When you arrive at the site and enter you Access ID, click on the Submit button, and your secret image and image title will appear. That is confirmation that you are at Omni’s legitimate Web site. If you do not see your secret image and image title, and are not asked your secret challenge question, do not enter your Password. Since this may represent a fraudulent Website, please report this immediately to us at any of our branch office. Please click the Locations button at the top of our Website for phone numbers.

Can I access Online Banking from multiple computers?
Yes, you can access Online Banking from any number of computers and have the same ImageKey protections. If you login from a computer that you have not used for Online Banking before, you just need to answer one of your challenge questions to verify that it is really you. Once you answer the question correctly, we will ask you if you would like us to register that computer and recognize it in the future. If you choose this option, you will not need to answer a challenge question when you use that computer again.

I share my computer with someone who also uses Online Banking. Can both of us still sign in from this computer?
Yes. You can use the same computer to login to your individual Online Banking accounts safely; you will not see each other’s information. There is no limit to how may people can sign login to Online Banking from the same computer. Just remember not to share your Access ID, Password or answers to your challenge questions.

Can I change my secret image, image title, and challenge questions?
Yes, you can change your secret image, image title, and challenge questions at any time. We will not ask you to change your ImageKey information, and we will not change it for you. To make the change, login to Online Banking and go to the Change Options tab. Then click on the Change Security Challenge link.

Is there a fee for using the ImageKey service?
ImageKey is free. It is just one more way we are working with you to safeguard your privacy and security.