What are some best practices for creating or updating my user ID and password?

We’re happy to chime in! First off, avoid user IDs and passwords that are simple. Instead, establish a more complex user ID and password combination to safeguard your account and information.

To create more complex user IDs and passwords, try using combinations of letters, numbers and characters. Passwords should be case-sensitive and between 8 and 32 characters. They must also contain at least three of the following items:

  • Lowercase letters (a-z)
  • Uppercase letters (A-Z)
  • Numbers (0-9)
  • Symbols (`~!@#$%^&*()_+-={}|:;'?,./)

Learn more about security and protecting your identity with our educational resources.

Related Questions

Fear not! For your security, your online banking account will be locked if the password or verification code is entered incorrectly five times. However, we’ve made resetting your password and unlocking your account very easy. Simply click the "Forgot Password?" link under the login area and follow the prompts. You can also contact us directly for more assistance!

It’s easy! Simply log in to online banking, choose the respective account and select the “Show More Detail” button to display the account’s information. From there, you’ll find the following information:

  • Account name
  • Nickname
  • Current balance
  • Routing number
  • Account number
  • Date opened
  • Interest rate
  • Year-to-date interest

At Gate City Bank, your security is paramount, and you can rest assured that none of our team members know your online banking password. However, if you ever forget your password, you can click on the “Forgot Password?” link from the login area or contact us for password reset assistance.

We care about your account security, and we’re happy to assist here! For starters, keep your passwords in a secure place that’s out of plain sight. Don’t share them on the internet, over email or on the phone. Additionally, be mindful that hackers may try to figure out your passwords to gain access to your computer. To make it tougher for them:

  • Use passwords that have at least twelve characters and include numbers and symbols. The longer the password, the tougher it is to crack.
  • Avoid common words. Some hackers use programs that can try every word in the dictionary.
  • Don’t use your personal information, your login name or adjacent keys on the keyboard as passwords.
  • Change your passwords regularly (at a minimum, every 90 days).
  • Don’t use the same password for each online account you access.

We care about protecting your personal information! As a safety measure and to prevent unwanted access to your account, we may ask you a challenge question or to provide a one-time passcode to access your online banking account.

Challenge Questions: These are generated from public records and may involve information from several years ago, such as past vehicle registrations. If you ever have trouble recalling answers to the questions, please contact us.

One-Time Passcodes: While logging in to your online banking account, you may be prompted to enter a passcode to proceed to your account. You’ll be asked if you would like this passcode sent via text or phone call. This one-time passcode is valid for one login session.

Events that trigger a challenge question or passcode include:

  • A recently failed log-in
  • Logging in from an unknown device
  • Logging in from a network that has not previously been associated with your device

As an additional security measure, if requested, your account settings can be adjusted to ask challenge questions each time a login is attempted.

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