Please click "Continue" or you will be logged out.
Online Banking Features
Bill Pay Demo
Locations and Hours
24 Hour Access
Save as PDF
Welcome to Joy State Bank
Where do I enter my password?
The MultiKey login service is an easy way to help prevent identity theft and fraud. This service will provide additional privacy and security of your personal information. Previously, you used a User ID and Password to login to your account information. From now on, you will also use a personalized image. MultiKey is made up of four parts: User ID, three challenge questions, a personal image and an encrypted password. Here is how this new service works:
Enter your User ID and click the
When you login from a computer that you have not chosen to be trusted, one of your challenge questions will be required to be answered to verify your identity. When you answer correctly, your personal MultiKey image appears.
When you see your image, you can be assured that it is safe to select your image, enter your password and login.
Your personalized image helps you know for sure that you are at our site.
NOTE: If you have not yet created your MultiKey login credentials, you will be prompted to setup your challenge questions and your personalized image before you can login to your account information.
Current Network Address: