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Each user of CitiDirect© Online Banking has his own password-generating device - SafeWord Card. It is a credit-card sized device that generates dynamic password for authentication and CitiDirect access.

The dynamic password minimizes to high extent the risk of unauthorized party getting access to your account information. Each electronic banking user has strictly defined access rights. Each time you log into CitiDirect©, the system checks your level of access and functions. The communication is 128-bit SSL secured and data encryption protects data from being viewed by people who are not authorized users.