How does PassMark work?
A. Once you enter your Login ID on your computer and click the Validate button, your image will be displayed along with the caption. This verifies that you are at your financial institution’s website and you are safe to enter your Password and access your information. If you are logging in from a different computer, the challenge questions will be asked to verify your identity. Once you provide the correct answers, your image and caption will display and you may enter your password.
PassMark verifies your identity in two ways. (1) When you enroll in PassMark, you will select a secret picture and challenge question and answer. Whenever you log in, we’ll show you this picture so you can be assured you are accessing your real banking site and not an imposter site. (2) We also check the computer(s) or device(s) you are using to access our website. You probably access our website from one or two computers, such as your work and home computers. PassMark remembers your computers. If you log in from a different computer, we take additional security steps to verify your identity by asking you to provide the answer to one of your secret questions. PassMark remembers your computer by assigning a unique identifier to that computer when you register it. No personal or private data is stored in any way.
PassMark consists of 3 parts: an image, a phrase and 3 challenge questions. Once you enter your Login ID, SNB wants to make sure it is you logging into online banking, PassMark makes this easy. Once you enroll in PassMark, you will know to only enter your password if you have successfully viewed your PassMark image and phrase. If you do not see your PassMark image and phrase you should immediately assume that you are not on the official SNB Bank’s website and you should NOT enter your password. Let’s say you login from your office computer, PassMark protects you in this case as well. You will simply be asked one of your challenge questions to be able to proceed to the image and phrase viewing of your Login session. PassMark allows you and the bank to have two ways to identify you. Your PassMark and your passwordwill comprise your two-factor authentication for online banking transactions.
