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Frequently Asked Questions  Multi-Factor Authentication

Multi-Factor Authentication

1. What is Multi-Factor Authentication?

Multi-Factor Authentication (MFA) is an additional step to the account login process that requires you to identify yourself with more than just an account number and password.  It provides an extra layer of security and ensures that you are the only one who can gain access to your account information online.

2. How will the login process work?

You will access your Online Banking Account by entering your account number and Online Banking Password.  During a registration process you will be required to answer 3 security questions. (Make sure you pick questions that you will remember the answer to when prompted in the future.)  Once you’ve answered the security questions, you will gain access to your account.  From then on you will access your account by using just your account number and password.  Periodically, you may be asked to answer one of the previous security questions before gaining access to your account.

3. Is the new system more secure than the old? How?

Yes it is more secure.  The software “learns” your online activity and constantly monitors it for unusual activity.  If unusual activity occurs it asks a security question to authenticate a user prior to allowing access to your online banking account. Multiple incorrect answers to security questions will lock the account to prevent further login attempts.

4. What should I do if I can't remember the answers to my security questions or if I incorrectly answered my security questions, and now I'm locked out of Online Banking?

If you do not know the answers to your security questions, they can be reset by calling our Call Center during normal business hours.

5.When I click the online banking login, it goes straight to the login page. How do I know I am protected?

The MFA is designed to be transparent to you. It "learns" your login behavior such as the PC you normally log in from, login times, etc. You will be asked a security question if your normal login behavior changes. (For example, if you login from a different PC while traveling, etc.)


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