LBS Financial Credit Union Security


LBS Financial Credit Union is committed to ensure the confidentiality of your online transactions. Our online account access products incorporate designed-in security features for safeguarding your accounts and the information you transmit to us during a CU OnLine session.


Data Encryption

For your protection, we use 128-bit Secured Socket Layer (SSL) strong encryption during your online sessions. Encryption is a sophisticated way of scrambling all information transmitted online before it leaves your computer, so that all information, including passwords and online bill payments are completely unreadable by unauthorized third parties. No transactional information will be transmitted without first being encrypted.

We require that your web browser support 128-bit encryption because it is more effective than 40-bit encryption. While 40-bit encryption might be fine for low risk transactions, it is not adequate for protecting financial transactions.

When you supply data via the Internet, it is encrypted before it travels. We decode and process the data at our end. When we provide data to you, it is encrypted at our end, and sent to you. When you receive it, your browser decodes the information and displays it to you.

You can ensure that your online information is encrypted in Netscape if the small key or lock at the bottom left-hand corner of your screen is unbroken. For Microsoft browsers, a lock appears on the bottom right of your screen during an encrypted session and/or the address is listed as https://.

Double Authentication

To further safeguard your account information against unauthorized access, the software employs a double authentication scheme. It prevents an unauthorized user from accidentally or deliberately determining your session ID while you are online and executing transactions against your account.

Approved Browsers

The following are minimum supported versions. Microsoft Internet Explorer 9 and 10; FireFox 10; Google Chrome 21; Opera 12 and Safari 5.

JavaScript must be enabled in your browser. JavaScript is enabled by default so this is not a concern unless you or someone else (your employer for example) has changed your browser’s default settings.

Recommended Monitor Resolutions

  • 1024 x 768
  • 1280 x 800
  • 1280 x 1024
  • 1680 x 1050

Individualized Password

When you enroll you are provided with a User Name and your initial online password. You can change your password as often as you like when you login for a session. The first time you login, you will be required to change your password. For subsequent logins, you will need to enter your User Name and password to enter the secure area of our website. We recommend setting up a strong password, meaning: make it lengthy (8 or more characters), combine letters and symbols and create phrases. Click here for details on developing a strong password.

Timed Log Out

If you forget to log out, we do it for you by terminating your banking session after a certain length of time. You can set this time to be 5, 10, 15 or 20 minutes. You will be required to login again to begin another session. This built-in safeguard protects your account information from unauthorized access in the event you are called away from your computer during an online session, or forget to log out at the conclusion of your session.


Each of the foregoing security features is designed to protect confidentiality of your online transactions and account information. You are also responsible for adhering to the following secure practices:

  • NEVER reveal your login ID or password to anyone.
  • NEVER leave your computer unattended during a session. When you are finished with a session, be sure to LOG OUT (click exit) before visiting other websites. If you cannot close the browser after your banking session, be sure to delete the temporary files stored by the browser on your local hard drive. Consult your browser Help on how to do this. Report known instances of unauthorized account access to within the required timeframe.
  • NEVER use email to transmit any personal, business, financial or account information. Messages sent in this manner are not encrypted. Use the encryption features of your browser. You may be required to upgrade your browser to 128-bit encryption. If you have any questions regarding the security of your online transactions, please call us at 800.527.3328.

Enhanced Security

LBS Financial Credit Union offers enhanced security features to CU OnLine, our online banking service. This type of enhanced security is known as Multi-Factor Authentication (MFA) and you will see this within online banking as security or challenge questions. Keeping your information secure is one of our top priorities, and our security enhancements offer the following to add more protection to your account online:

  • An image and a caption, selected by you, displays every time you log in assuring you that the LBS Financial site is authentic (anti-phishing)
  • When you (or anyone else) attempt to log on to your account, security questions you set up during the enrollment process will be asked to confirm your identity. For your convenience, you can register any computer you use to avoid having to answer your challenge questions. The system uses a special “cookie” to record information unique to that computer. The option to register an unregistered computer is available every time you log on.
  • The process is simple and there is no need to change your current password. However, we always recommend that you consider "strengthening" your password to make it more complex.