Why do I need a security token?
Like any other form of banking transaction, Rural Bank Internet Banking is a target for criminals.
One method used by criminals is to download a Key Logger virus on to your computer that records your keystrokes, e.g. your banking Access ID and Password, and then transmits them back to the criminals.
Using a security token to generate a unique single use Authentication Key improves your Rural Bank Internet Banking security. When a security token is activated at logon, even if criminals capture your Access ID and Password, your Rural Bank Internet Banking cannot be accessed without a current authentication key.