Banking Bytes – Caching

BankingBytes is a new Quarterly feature that will provide information on some of the most commonly asked I.T. questions received at the Bank. One of the frustrations our users have is their device locking them out of Internet Banking, and if the truth be known, probably their other Applications that require password changes.

This edition of BankingBytes will attempt to explain what Cached Credentials is and how it is helpful, but also aggravating when trying to use your favorite app but can’t due to a password change.

THEN, you call the bank to get your password reset and you sign on one time without incident, and then the next time, WHAM, you can’t sign on. So now, your frustration is off the charts. Hopefully, this article will help in preventing aggravation, blood pressure issues, 4-letter-word rants, etc.

Cached Credentials in plain language, is a vault on your device where a user ID is tied to a password for a specific application.

Cached credentials on your PC can lead to frustrations primarily due to security concerns and inconvenience. While they offer the convenience of faster logins by storing credentials locally, they also pose significant risks. One frustration is the potential for unauthorized access if someone gains physical or remote access to your device. This risk can be especially worrisome if your cached credentials are not adequately protected.

Moreover, cached credentials can cause issues when passwords are changed or updated. If a user changes their password but forgets to update the cached credentials, they may encounter login failures or lockouts, leading to frustration and wasted time trying to troubleshoot the issue.

Overall, while cached credentials offer convenience, the potential security risks and the potential for authentication issues can lead to frustration and concerns about the overall security of your PC and sensitive information. Regularly reviewing and managing cached credentials can help mitigate these frustrations and enhance security.

The Bank will ask you to clear your Cache and Cookies to help resolve sign-on issues with our Website, which leads to the next question, “How do I do that?”

The common browsers are Microsoft Edge and Google Chrome. Here is a link for Microsoft Edge. How to Manage and Clear Your Cache and Cookies | Edge Learning Center (microsoft.com)

Here is a link to clear cache and cookies in Chrome. Clear cache and cookies – Computer – Google Account Help

If you are using a different browser, simply search, “How do I clear cache and cookies for (insert your browser name here.)”