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Frequent Questions

Security Questions

Is it safe? Can anyone access my account information?

No one can access your account information without your User Name and Password. We encourage you to keep both your User Name and Password confidential at all times to prevent unauthorized use of your account.

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What is SSL and why is it important to me?

Secure Socket Layer ("SSL) is a system designed to protect data. It provides authentication that you are communicating with our Web server and it provides encryption to scramble data transmissions. SSL also provides a system to detect tampering. If tampering is detected in the SSL, the connection is broken. It is important since no one will be able to tamper with your transactions while you are using an SSL connection.

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What is encryption?

Encryption is a process whereby data is scrambled while being transmitted. When it is received, it is decrypted (or decoded) so that it can be read. When you are in an encrypted area of a Web site, you will see a small lock at the bottom of your screen. As soon as you move to a non-secure area of the site, this icon will change to an open lock.

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Is a "firewall" another security measure?

Yes. A firewall is an Internet security system made up of hardware and software designed to separate internal computer systems and databases from the rest of the Internet. When data comes to us from our customers via the Internet, it must pass through a number of security checkpoints that make up our firewalls.

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What is the difference between 40-bit and 128-bit encryption?

Standard international browsers use 40-bit encryption as default. That means that your data is encrypted using an algorithm or formula, which is based on a key. 40-bit encryption uses 240 possible keys to protect your data. That is approximately 1,000,000,000,000 possible keys. 128-bit encryption enables the use of 309,485,009,821,345,068,724,781,056 possible key combinations!

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How is my privacy protected?

Keeping customer information secure is a top priority of Webster. Please refer to our Privacy Policy for details.

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What is Enhanced Online Security?

Enhanced Online Security provides you added safety by helping ensure that only you can access your bank accounts. Enhanced Online Security is a picture and a caption that is a shared secret between you and Webster. When you see the personal picture and personal caption that you selected, you can be confident that you are at the genuine WebsterOnline Web site, not an imposter site.

Make sure you see your personal picture and personal caption before you enter your password. In addition, WebsterOnline remembers which computer(s) you normally use preventing potential fraudsters from logging into your accounts even if they somehow get hold of or guess your User Name and Password.

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Why do I need Enhanced Online Security?

Enhanced Online Security is a feature that helps protect you while you access your online accounts. On the Internet today, fraudsters attempt to steal your identity by impersonating the Web sites you trust. Webster is committed to proactively protecting our customers against such attacks.

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How does Enhanced Online Security work?

When you visit your local branch office, you know our faces and we know yours. Enhanced Online Security does the same thing over the Internet. It is a new method to identify us to you and you to us. When you activate Enhanced Online Security, you select a secret picture and caption known only to you. When you log on, we will show you this picture so you know that you are accessing the real WebsterOnline site and not an imposter site. We also check the computer(s) or device(s) that you are using to access the Web site. Typically you access the Web site from one or two computers, such as your home and work computers. Enhanced Online Security remembers your computer by assessing a unique identifier to each computer you use to access WebsterOnline using standard secure cookies. The cookie is used to store the identification information only. No personal or private data is stored. Should you need to log on from a different computer, such as an Internet café, we will take additional steps to verify your identity, such as ask you to provide the answer to secret questions we both know the answers to.

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How is Enhanced Online Security more secure?

Enhanced Online Security protects you from accidentally revealing your User Name and Password to a fake Web site. In addition, if someone does somehow get your User Name and Password, they will still not be able to access your online accounts because they are not at your registered computer.

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What keeps somebody from stealing my personal picture?

WebsterOnline only shows your personal picture and personal caption if you log on from your own computer, or after you have answered a secret question. So, it is not possible for an unauthorized person to get access to your personal picture.

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Why am I being asked a question when I try to log on?

We ask you a secret question when we detect that you are trying to log on from an unregistered computer. This is to prevent someone with stolen passwords from logging on to your online accounts. Since only you know the answer to the questions, we will know it’s really you. Generally you will be asked to answer a secret question only when you log on for the first time from a new computer. After you answer the question, you will be asked whether we should remember this computer for future logons. If you are using a public terminal, you will want to answer no.

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Can I access my accounts from multiple computers?

Yes. You can access your online accounts from any number of computers. If you log on from a new computer or a public terminal, you will just need to go through one extra step of answering a secret question. This helps protect you by keeping unauthorized people from accessing your information. There is no limit on how many different computers you can use to log on to your online accounts.

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How do you know I am logging on from my own computer?

When you log on for the first time from a new computer, we put a secure (encrypted) cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. The cookie is visible only to the WebsterOnline Web site and does not contain any of your personal information. When you log on after that, your web browser sends us this cookie. This lets us know that this is your computer.

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Can I change my personal picture and caption?

Yes. You can change your personal picture and caption at any time. To make the change, go to Customer Information and click on Update Security Information after you log on.

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What happens if I delete my cookies?

Enhanced Online Security uses you computer’s hardware and software information to recognize you. If you delete your cookies, the information is no longer available to authenticate your log on. You will be asked to answer one of your security questions.

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What is Phishing?

Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake Web sites that look very much like the sites of legitimate financial institutions. They send out emails randomly with links to these fake Web sites. This phenomenon has been called Phishing.

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I am trying to log on from my own computer, but the Bank's Web site is not showing me my personal picture and caption. Instead, it is asking me a question. What's happening?

This might happen if you have deleted all cookies on your computer. It might also happen if your change or upgrade your browser, restore files from backup, reinstall or upgrade your operating system, change your IP address or if a Flash Plug-in is not installed. Before answering a secret question or entering your password, make sure that you are going to the legitimate bank Web site. The easiest way to ensure this is by typing the URL of WebsterOnline (www.websteronline.com) directly into your Web browser. Then, after you answer the security question, you should see your personal picture and caption.

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What is a Trojan or Key Logger?

Some fraudsters have been putting programs on random computers in order to harvest user ID and password information used to log on to Web sites. They collect this information and secretly transmit it to their own computers and attempt to log on. These are called Trojans (short for Trojan Horse) or Key Loggers (for logging your keystrokes).

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How does Enhanced Online Security protect me from a Trojan or Key Logger?

Once you have identified a personal picture and personal caption, and have registered your computer, even if a fraudster steals your User Name and Password, the computer being used will not be registered and the fraudster will not be able to log on as you. Thus your identity and your accounts are protected.

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I received an email inviting me to take a survey and enter for a chance to win $500. Is this a legitimate email from Webster?

Yes, Webster is conducting a customer satisfaction survey to understand how we can improve the customer’s experience. To show our appreciation for your participation in the survey, you will have the opportunity to enter into a monthly sweepstakes drawing of $500.  Click here to view a list of sweepstakes winners.

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