PassMark protects you from accidentally revealing your username and password to a fake site.  In addition, if someone does somehow obtain your username and password, they will still not be able to access your accounts because they are not at your registered computer.

Sure.  The purpose of two-factor authentication or PassMark is not to limit your online banking access. It is to help you team up with SNB to protect your financial information. When you try to login to online banking from a computer other than your normal one, SNB will will ask you a challenge question that will help us ID you and allow you to view your PassMark image and phrase. When you recognize your image and phrase you can then enter your password and proceed to online banking from a different computer.

Yes. You can change your image and phrase anytime. Simply check the appropriate box on the PassMark screen and you can change your PassMark image or Phrase.  You can also click the “change my password” box on this page.

Recently there have been attempts by fraudsters to trick people into revealing their personal information such as passwords, by creating "fake" websites that look very much like the sites of legitimate financial institutions. They send out random emails with links to these fake websites. This phenomenon has been called Phishing, (pronounced "fishing").  To help you refrain from getting tricked by a Phisher, SNB has a standard that we will never send you an email with instructions to click a link to access our website.  Therefore, if you receive an email appearing to come from SNB asking you to click a link and enter your password, you can automatically assume this is a Phish and deem it fraudulent.  As always contact an SNB representative at 1.888.762.4762 to verify anything you are not sure about.