What is Multi-Factor Authentication?
Multi-Factor Authentication is a new security feature that works 24/7 to protect your Home Banking account, even when you are not online. It helps guard against fraudulent logon attempts like "Phishing" (malicious requests for your personal information) and identity theft.
How does it work?
When you enroll, the system will randomly assign you with a secret image, which you can change after you log on to your account. You will also select a phrase that will appear under the image on our Home Banking site.
The combination of the image and phrase is only known to you and the system. When you see your personalized image and phrase, you can be assured that you are logging on to our actual Home Banking site.
The security system also checks the computer that you are using to access your Home Banking account. If the system does not recognize your computer during a future logon attempt, it will take additional steps to verify your identity.
Information Screen
The first time you log on to our Home Banking site after the new security feature is activated, you will be notified to enroll at your next logon.
The next time you log on to your Home Banking site, the Logon screen will only prompt you for the UserID, which is your member number:
After entering your UserID, the system displays a Password field as follows:
(If you accidentally enter the wrong UserID, you can click Logon as a different user to reenter the correct ID.)
After entering your Password, the Welcome to the Multi-Factor Authentication Enrollment Process screen displays
To enroll, complete the following:
Enter a secret phrase that will appear below the image on your Home Banking screen.
Select at least one question under each of three drop-down lists and provide the answers.
Enter your primary e-mail address and phone number.
Select whether or not you want to register this PC.
If you select Register This PC, you will not be challenged the next time you log on to your Home Banking account from this computer.
You can select this option if you are using a personal computer.
If you select Don't Register This PC, the system will take additional steps to verify your identity at the next logon. If you are accessing your account from a public terminal, you will want to select this option.
Click Continue. The Multifactor Authentication Preferences screen displays:
If you don't want to make changes to the settings, you can continue using your Home Banking account as usual.
Preference Settings You can access the Multi-Factor Authentication Preferences screen from the Profile menu. On the Multi-Factor Authentication Preference screen, you can change the following items:
- Secret image
- Secret phrase
- Security questions/answers
- E-mail/phone information
Next time you log on to your Home Banking account after entering your UserID, the system will display your secret image and phrase. Important!!! NEVER enter your password if you do not see your secret image and phrase.
Please contact your credit union for assistance if you do not see your secret image and phrase.
Logon from a Different Computer
If you log on from a new or unregistered computer, the system displays the following screen to prevent fraudulent logon attempts:
If you select Email, the following screen displays:
If you select Questions, the system randomly prompts you to answer a security question that you selected during enrollment.
You can also choose to register that computer by selecting the Register this PC checkbox. After you enter the one-time password or answer a question correctly, you will be prompted to log on again.
Locked Out
If the system detects any fraudulent logon attempts, your account will be locked out.
You will need to contact your credit union for assistance on clearing the lockout.
