Your Internet Browser appears to be out of date! For optimal viewing and security, we recommend that you upgrade your browser

Our branches will be closed on Thursday, November 26, for Thanksgiving Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.


Login Security

The Term "Security" refers to preventing unauthorized access to a computer system or network. Internet Banking uses several layers of technology to prevent unauthorized users from gaining access to the internal network. Internet Banking's security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls.

The Internet Banking section is automatically secured/encrypted, but the rest of the Website can be accessed as either secure or unsecure.

Internet Banking is a term for accessing your account information over the Internet. We may refer to it as Internet Account Access or Online Banking.


How is using my phone making my account safer?

We are using what is known as “multifactor authentication” which makes it more difficult for phishers and attackers to access the member’s accounts. While this might seem unfamiliar, members actually use it every time they visit an ATM. When they access their account from any ATM, they need both their ATM card (something that they have) and PIN (something that they know).

We’re using the same type of protection by using both the member’s password and their phone to access their account. By doing this, even if an attacker or a phisher manages to steal their password and tries to use it to log in, they would be unsuccessful because they would need your phone as well.


What is Multifactor Authentication?

Your online security is important to us, as well as providing you easy and convenient banking tools. Your online banking experience may include a new Enhanced Login Security service to further help protect you from identity theft which is known in the online security industry as Multifactor Authentication, or MFA.

Authentication is the process used to allow access to only the correct customer. Without effective authentication controls, it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the true customer should be able to pass.

Multifactor Authentication means that two or more different types (or factors) of authentication must be passed. By using two different factors of authentication, we get a higher assurance that the customer is the intended user. MFA is commonly used to protect transactions at ATMs, where your card is something you have, and your PIN code is something you know.

For your convenience, after you successfully authenticate with your User ID, password and Login Security (One-Time Passcode (OTP) or Challenge Questions, if available), you may enroll your computer for use in authentication. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession.

We recommend you ensure that your browser settings and any antivirus software you have do not delete your cookies (data files) so that you are not prompted to provide Login Security (One-Time Passcode (OTP) or Challenge Questions, if available) every time you log into Internet Banking.


Logging in from a Computer you Normally Use?

When you choose to enroll your computer as PRIVATE, a special Browser Cookie will be present on the system, which will act in place of your Login Security (One-Time Passcode (OTP) or Challenge Questions, if available). You will only need your User ID and password to access your account information.

If you are still getting prompted to provide your Login Security, then please ensure that you have the following:

  • Using one of the Supported Operating Systems for Internet Banking
  • Using one of the Supported Browsers for Internet Banking
  • Browser is not set to delete cookies – Please follow the steps in listed in this help for your respective browser to determine if cookies are being deleted
  • Any antivirus software is not set to delete cookies
  • No viruses or malware on your computer
  • No usage of a proxy server or “web accelerator” by your internet service provider
  • If using a computer from work, verify that your office technical department is not automating deletion of cookies

Logging in from a Computer you DO NOT Normally Use?

When you choose to list your computer as PUBLIC, you will need to provide your User ID, password and you will be prompted to provide your Login Security (One-Time Passcode (OTP) or Challenge Questions, if available) each time you log into your account. We recommend this setting when logging in from a library or school computer.


Password Security

To ensure security, we recommend the following: Never reveal your password**.

**Password refers to your telephone access (audio response system, not Bill Payment) password or the password that you selected when you signed up for Internet Banking. We may alternatively use a different name (e.g. "PIN"). If you have questions about what to enter in order to access Internet Banking for the first time, contact our Customer Service.

IMPORTANT:Some browsers allow you to enable a function to require passwords for specific sites or certifications. In that instance, you should enter the password for the browser.

Passwords are case sensitive. Mixing uppercase and lowercase letters is permitted.

You can change your Internet Banking password under User Options at any time. It is recommended that you change your password every six months.

WARNING:We do not have access to your password. In the case of a forgotten password and/or challenge questions, contact our Customer Service and ask them to reset your password for Internet Banking.

The amount of time you can remain inactive before being automatically logged out of Internet Banking can be set under User Options.

WARNING:For your own security, keep this time setting as short as possible.

It is recommended that you balance your account at least once a month so that any discrepancies can be reported in a timely manner.


Supported Operating Systems for Internet Banking

Supported Operating Systems

  • Windows XP
  • Windows Vista
  • Windows 7 & Windows 8
  • Macintosh OS X

Internet Banking is optimized to use with certified/supported operating systems. By using a different operating system, you may not be able to take full advantage of all the features within Internet Banking.


Supported Browsers

Your Online Banking pages are supported by most modern browsers. In order to ensure the best possible experience, please be sure you are using the most up to date versions of the browsers listed below. Your browser will need both JavaScript and cookies enabled to access and operate within the site.

  • Microsoft Internet Explorer
  • Microsoft Edge
  • Mozilla Firefox
  • Google Chrome
  • Apple Safari

If you are not using one of the supported browsers listed above, you may encounter issues within your online banking experience. We recommend switching to one of the supported browsers listed above in order to ensure you have an optimal Online Banking experience.


About Cookies

Cookies are small text files on your system, used to keep track of settings or data for a particular site. Web sites can use cookies to identify a returning user or to pass information between Web pages in a single visit.

There are two types of cookies: temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Internet Banking uses temporary cookies and may use permanent cookies, but never passes private information through cookies.

An example of how Internet Banking uses a temporary cookie is in the demo. The browser uses the cookie to either show or hide the overview depending on the user's choice. Every time the demo is used, that cookie will be used and deleted once the demo is exited or the browser is shut down.

Internet Banking also uses a different kind of temporary cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of the stringent security measures in Internet Banking to make sure that each page in Internet Banking is not cached or saved on your system. This means that each page must be retrieved from the Web server. This cookie is deleted when a user logs or times out of Internet Banking or if the browser window is closed and ensures that another user on the same computer cannot access the previous user's Internet Banking session or information.

If you use Enhanced Security, Internet Banking may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information.


About Javascript

JavaScript is a widely accepted, simple programming language that allows a Web site to be more interactive. Web sites can use JavaScript to perform many actions such has calculations, displaying dynamic navigation, and rotating through banner images. By using JavaScript, Web sites can be proactive by making a better internet experience.

An example use of JavaScript in Internet Banking is form validation. Validation is simply enforcing certain rules on different fields. When presented with a phone number field, JavaScript can alert the user if the phone number format is incorrect or if a value in the field is not a number. This allows the form to be filled out and submitted correctly the first time.

If JavaScript is not enabled, some or all of the Internet Banking features may not work. In most browsers, JavaScript is enabled through the adjustment in Security Settings. Please refer to the specific section for your browser by clicking on the link located in the index at the top of the page.


About SSL

Before initiating your Internet Banking, we first require that a "secure session" is established using Secure Socket Layer (SSL) encryption. This is a process where the information between our server and your browser is encrypted or scrambled so it cannot be read by unauthorized parties.

A general indicator that you have entered a secure session is when the URL (web page address) in the address bar starts with "https" (note the "s" at the end) rather than "http", your session is secure.


About Display Size

The content of a Web site is created to be best viewed in a range of display sizes or screen resolutions. The display size maximum is determined by your monitor's maximum display area (by maximizing your browser window) and the display size minimum is user controlled by resizing the window to be smaller then the maximum area allowed.

By viewing a Web site at or above the recommended display size or screen resolution all the Web site content can be seen without scrolling left to right. Each Web site will vary with their recommended display size or screen resolution, but the most recommended browser display size is 1024 width by 768 height (1024 x 768).

Your monitor's display size, sometimes referred to as the desktop area is a setting controlled by your Operating System. Please refer to your Operating System documentation on how to determine and change your display size.

Modern browsers all have a zoom function that may change the display size of a website. You can adjust this value in the browser settings or press and hold the "Ctrl" key and roll the mousewheel.


About Adobe Acrobat Reader

Adobe Acrobat Reader is a free browser plug-in that can read certain document file types known as PDF (portable document format). Having this plug-in allows you to read a PDF file from your browser window rather than having to open the Adobe Acrobat program to read the file. If you need Adobe Acrobat Reader, click here and follow the directions on Adobe's Web site.

Internet Banking most commonly uses PDF files for Online Statements and Check Images.