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Enhanced Online Security User Guide

If you need assistance, please call Farmers & Merchants State Bank 920.478.2181

Enroll

To enroll, follow these steps.
1. Log in by entering your current Access ID.
2. Click SUBMIT.
3. Enter your current password.
4. Click SUBMIT.
5. Complete the Enrollment form.
a. Provide a current e-mail address (if needed).
b. Enter a pass phrase for the randomly selected authentication image.
c. Provide answers for 3 challenge questions.
d. Select whether you are logging in with your personal computer, or a public computer.
Only register personal computers that you frequently use and are not available for public use.
6. Click SUBMIT.
That's it. The next time you log in, we recognize you and display your private image & pass phrase.

Log In

Once you have enrolled, follow these steps to log in.
1. Log in using your current Access ID.
2. Click SUBMIT.
3. Your authentication image & pass phrase are displayed.
4. If they match your private image and pass phrase, then enter your password.
If the authentication image and pass phrase do not match, do not enter your password. Start over,
or contact Farmers & Merchants State Bank 888.478.3007 for assistance.
5. Click SUBMIT.
That's it. You are now securely logged in to Internet Banking.

Log In From Other Locations/Computers

Once you have enrolled, follow these steps to log in.
1. Log in using your current Access ID.
2. Click SUBMIT.
3. Select One Time Password or Answer Challenge Question.
a. If select One Time Password. Password will be emailed to the email address you registered with.
b. If you choose Answer Challenge Question. Simply answer question.
4. Click SUBMIT
5. Your authentication image & pass phrase are displayed.
6. If they match your private image and pass phrase, then enter your password
If the authentication image and pass phrase do not match, do not enter your password. Start over,
or contact Farmers & Merchants State Bank 888.478.3007 for assistance.
7. Click SUBMIT.
That's it. You are now securely logged in to Internet Banking.

Change Your Image and/or Pass Phrase

Over 10,000 images for you to choose from. To select the one that's right for you, just follow these steps.
1. Log in by entering your regular Access ID.
2. Your authentication image & pass phrase are displayed.
3. If the authentication image and pass phrase are correct, enter your password.
4. Click SIGN IN.
5. Once logged in, Select Options from the main menu.
6. Select Change Security Data.
7. Select an image from the library.
8. Enter a pass phrase for the image.
That's it. The next time you log in, your new authentication image and pass phrase will be displayed

If you need assistance, please call Farmers & Merchants State Bank 920.478.2181

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Waterloo - Marshall Wisconsin
1-888-478-3007

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