Advanced Online Authentication | Bay Bank & Trust Co.

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We take a proactive approach with your Online Banking account security. As a result, we have launched a new and innovative security feature.

This feature not only allows us to authenticate you when you are logging into Online Banking, but it will prove that you are at our valid website and not an imposter site.

Current Online Banking Users
If you are a current user, we want to inform you that your new login procedure will change. View the quick instructions on the right side of the page for assistance.

Not Yet An Online Banking User?
If you are not a current user, now is the time to try Online Banking & Bill Pay.Click here for more information on our new security feature.

	We're serious about your online security

Quick Reference Guide - Existing Internet Banking Users

	Step 1: Upon first login with the new Advanced Authentication product, you will be asked to enter your current Online Banking User ID only, on the login screen. Once you enter your current User ID, simply click 'Validate' to proceed.
Step 2: The next screen will only appear the first time you log on to the new system. You will be asked to enter your existing Online Banking password and click the 'Login' button.
	Step 3: This screen will ask you to select or upload an image that will become your unique PassMark. You can view the images by selecting a category from the 'Choose an Image' drop-down box. Simply select the desired image by clicking on the link below, 'Select Image'. The image will appear in the box labeled 'Your PassMark'. Here, you should click 'Accept Image' to proceed.
Step 4: The next screen asks you to name your image as well as select and answer 4 challenge questions. Each field must be unique and consist of anywhere from 6 to 30 characters. Once complete, simply click 'Preview'. You will then be asked to review and confirm the information. You can click 'Go Back' to make changes or 'Finished, - Login' to enter Online Banking. The Advanced Authentication set up is complete!
	Step 5: Each time you log in after the initial setup, you will be asked to enter your User ID as shown in Step 1. You will then get a screen where you will enter your password while being able to validate your unique PassMark. You may also be asked challenge questions based on the computer that you are using to access Online Banking.

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