Frequently Asked Questions – Enhanced Security

Carry out your online banking transactions with complete peace of mind

What is Enhanced Security?

Enhanced Security is an additional level of security implemented by National Bank of Canada for its online banking services. It allows you to register your workstations (computers) and link them to your user code. When you log in to IBS-B from an unregistered computer, the system will ask you to confirm your identity by answering one of the three personal identification questions saved to your profile.

How does Enhanced Security work? How does your system recognize my workstation (computer)?

When you log in to IBS-B, the system will ask if you would like to save/link the computer to your user code so the system recognizes it next time you log in. If you choose to register your computer, an authentication cookie is created containing your unique identifier and linked to your user code. Every time you open a subsequent session, your browser will send the cookie to our system so we know you are using a registered computer. If the computer is recognized, the session will open normally. Otherwise, the system will ask you to confirm your identity by answering one of your three personal identification questions. If you choose not to register your computer to your profile, the system will ask you to confirm your identity every time you log in by answering one of your three personal identification questions.

Does this mean that National Bank of Canada's online banking site was not secure before?

National Bank of Canada has always upheld the strictest security standards. Enhanced Security is an additional security measure, like a second lock on your online accounts.

Can I opt out of Enhanced Security?

Enhanced Security is not an optional feature. If you always carry out your transactions from the same computer, you will only need to answer the security questions when you first register the computer. However, if you choose not to register the computer, you will be asked to verify your identity every time you log in by answering one of the three personal identification questions saved to your profile.

Does Enhanced Security protect me from phishing, viruses and other online threats?

No. Enhanced Security is an additional security measure that protects you when you log in to National Bank of Canada's online banking site. It reduces the chances of an unauthorized user accessing your online banking information. Enhanced Security does not relieve National Bank of Canada of the responsibility to protect its online banking systems, nor does it eliminate the need for clients and their representatives to use the site securely. For more information, check out our ABCs of Security.

Do I have to register/link my workstation (computer)?

You do not have to register your workstation (computer). In fact, in some cases you should not register the computer (e.g. at an internet cafe or when using a computer belonging to someone else). When you log in to the National Bank of Canada online banking site from an unregistered computer, you will be asked to answer one of three personal identification questions. This measure provides greater security by helping us verify your identity.

What are cookies?

A cookie is a file used by a website to send and receive information. With Enhanced Security, National Bank of Canada will send secure information to your computer once it has been registered to your profile. It contains a unique identifier that will be used to identify you when you open a session. Each time you log in to IBS-B from your computer, your browser will send the cookie back to us as a security measure.

Can I register several workstations (computers)?

Yes, you can register several computers. Make sure you only register your own workstations, as they will be linked to your user code. That allows us to verify that the site is being accessed from one of your computers.

Will my laptop be recognized regardless of the connection I use?

Yes. Enhanced Security will recognize your laptop regardless of the Internet connection being used.

How do I delete a computer that has been saved to my profile?

If you would like to delete a computer saved to your profile, just click on “Remove links to my computers” in your personal profile. Please note that this will remove all of the computers saved to your profile, as you cannot delete them individually.

What happens if I keep a registered computer in my profile that I don't use anymore?

It is better to delete a saved computer if you don't use it anymore. Please note that this will remove all of the computers saved to your profile, as you cannot delete them individually.

Is it safe to carry out transactions using the National Bank of Canada online banking site?

National Bank of Canada upholds strict security standards. National Bank's ongoing efforts to enhance its security measures, combined with the steps you can take to protect yourself (see the "Good practices" section under the ABCs of Security), ensure the security and confidentiality of your online transactions.

Do you have access to personal information stored on my workstation (computer)?

National Bank of Canada cannot access personal information stored on your computer. The cookie used to authenticate your computer does not contain confidential information.

What should I do if I can't remember the answers to my personal identification questions?

Contact your company's service administrator, who will be able to reset the questions/answers and assign you a temporary password. If you are the administrator, contact our Customer Service line at 1-844-394-4494, from Monday to Friday, 7:00 a.m. to 8:00 p.m. (ET). A representative will be able to verify your identity, reset your question/answers and assign you a temporary password. You will be prompted to choose new personal identification questions when you next log in to the site.

I answered my personal identification questions incorrectly, and now my account has been locked. What should I do?

If you fail to answer your personal identification questions correctly, contact the service administrator for your company, who will reset your questions/answers and assign you a temporary password.If you are the administrator, contact our Customer Service line at 1-844-394-4494, from Monday to Friday, 7:00 a.m. to 8:00 p.m. (ET). A representative will verify your identity, reset your questions/answers and assign you a temporary password.You will be prompted to choose new personal identification questions when you next log in to the site.

Will the personal identification questions/answers replace my user code and password?

No. Your user code and password are still the main means of identification when logging in to our online banking site. You will need to enter them as before when accessing Internet Banking Solutions for Businesses.

Why do I have to enter new personal identification questions after resetting my password?

As a security measure, resetting your password automatically deletes existing personal identification questions in your profile. You will need to choose new questions and answers.