What happens when a member enters their one-time password incorrectly?

Members will be given three (3) attempts to enter the one-time password correctly. If the temporary code is input incorrectly three times, the member will be locked out of Online Banking and will need to contact Member Support to unlock the account.

How does a member register for Increased Authentication?

Members are prompted to sign up for Two-Step Verification on the Online Banking or Mobile App login screen. Members will be asked to register an email or SMS text enabled phone number to receive a one-time password when the risk engine detects suspicious login activity.

What is Increased Authentication?

Increased Authentication is a security feature that strengthens online and mobile banking security by using 2-Step Verification during high-risk activities. It uses a risk engine to assess user activities, establishing typical member usage patterns by device, location and other habits and making it easier for fraudulent behaviors to stand out. When a new login location or device is used, or suspicious interaction is determined, the member may be prompted to enter their one-time password sent through SMS text or email.