Where do I enter my password?

We are changing the way you login to Internet Banking to better safeguard the privacy and security of your personal information. Previously, you logged into Internet Banking using your User ID and Password. From now on, when you login to Internet Banking you'll use your image and authentication phrase. Here is how this new service will work:

• You'll enter your User ID and click the login button.
• On the next page, your image and authentication phrase will then be displayed. If you recognize the image and authentication phrase, you'll know you can safely enter your Password and click login. If you do not recognize your image and authentication phrase when you login, do not enter your password. You will then need to contact a customer service representative at your local banking office.
• Your personalized image and authentication phrase helps you to know for sure that you are at the valid Bank of Oak Ridge Internet Banking site.

NOTE: If you have not created your image and authentication phrase, you will be prompted to do so before you can login to Internet Banking.