What is multi-factor authentication?

Online Banking technology uses multi-factor authentication to protect your account information. It's a two step sign-on process that makes hacking more difficult, because the hacker would need access to multiple items in order to breach your account.

In step 1, we verify your identity by asking for something you know.

During the initial registration process, you'll create a User Name and Password that you'll use each time you log in to Online Banking. This information becomes the "something you know" factor in the multi-factor authentication process.

In step 2, we verify your identity using something you have.

During the initial registration process you'll be asked to provide your telephone number in order to receive a one-time security code. You can choose to receive the code via text or voice message. Your telephone number is stored in Online Banking. Your telephone becomes the "something you have" factor in the multi-factor authentication process.

Multi-factor authentication helps us better protect your account and mitigate the risk of fraud. We've implemented this security strategy in accordance with guidance published by the Federal Financial Institutions Examination Council (FFIEC).