For Daren Mehl, securing billions of dollars in transactions is so easy he can do all the heavy lifting with just a finger.

Mehl, the assistant vice president of technology for United Banker's Bank (UBB) in Bloomington, Minn., found his strength in biometrics with the deployment of fingerprint readers that employees and UBB affiliates use to securely log into online resources locally and over the Internet.

The fingerprint readers, developed by Digital Persona, anchor a multifactor authentication and single sign-on system for some 2,500 users who don't have to remember multiple passwords - just which finger to press onto the small USB-connected scanner.

In addition, UBB's system is far out in front of guidelines set forth in October 2005 by the Federal Financial Institutions Examination Council calling for Internet banking to adopt two-factor authentication by January 2007.

Long before that announcement, Mehl and UBB were perfecting and expanding their system that went live internally in 2001 and externally in 2003. They plan to further extend the fingerprint technology to help thwart phishing and secure wire transfers.

"We need to know who our customers are and so we wanted a stronger authentication system," he says. "From a security standpoint, I saw the writing on the wall with key loggers and spyware and I knew we needed a second form of authentication."

The bank picked fingerprints over security tokens because tokens can be shared and a fingerprint cannot. "We need to make sure who is sending money," Mehl says.

UBB provides that assurance and more to its customers, who just so happen to own and operate UBB, which was the first bank for bankers when it opened in 1975.

Those owners are 1,200 community banks that pool resources under UBB so they can provide their customers with services such as check cards and major loans. More than 250 shareholders with combined assets of $7.8 billion have invested in the bank, whose services let the member banks - located throughout Minnesota, the Dakotas, Nebraska, Montana, Wyoming and Iowa - operate like the heavyweights of the banking industry.

And Mehl and his staff operate as the security heavyweights among the 20 or so banker's banks that operate throughout the country, having helped three other community-bank-supported co-ops reproduce UBB's fingerprint infrastructure.