What FAIRWINDS Does To Protect You
FAIRWINDS has many levels of security in place to ensure the safety of your accounts when accessing them online. Since you are the only one who really knows what should be happening on your account, the best security is you being aware.
FAIRWINDS uses VeriSign Class 3 Extended Validation SSL Certificates with up to 256-bit encryption.
FAIRWINDS utilizes multifactor authentication to verify a members's identity when attempting to access FAIRWINDS Mobile and Online banking. The platform utilizes MFA through a knowledge-based challenge and a possession-based challenge; the knowledge-based challenge is represented with a password, and the possession-based challenge is represented with the member's phone and email.
Alerts & Real Time Reporting
FAIRWINDS provides our members with real-time reporting, pending debits and e-Alerts notifications for activity performed on all accounts. Periodic review of your accounts (daily, weekly, monthly) can help identify suspicious activity early.
Blocked Access Online
If your account has excessive consecutive failed login attempts, online access to your account will be blocked until you reset your password. This feature prevents brute force attacks on your account. This is when someone attempts to access your account by systematically checking all possible key combinations until the correct one is found.
FAIRWINDS will also disable online access to your account if you do not use the service within a consecutive 90 day period.
Last Access Date
On the top-right of the screen you'll see the last time your account was accessed online. If something appears suspicious, notify FAIRWINDS immediately.
Regulation E - Electronic Fund Transfers
Many electronic funds transfers in which funds are credited to or debited from a consumer's account are subject to the provisions of, and entitled to the protections of Regulation E of the federal Bureau of Consumer Financial Protection, including limitations on consumer liability for unauthorized transfers. For more information on the applicability and protections of Regulation E, please see the Electronic Funds Transfer Agreement and Disclosure within your Member Handbook and your Online Access Agreement. Regulation E is inapplicable to business accounts.