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Account Security FAQ

You have questions? We've got answers!

Account Security FAQ

The answers to the following questions are displayed underneath each question. Click on the questions to open/close the answers.

What is Multi-Factor Authentication?

Multi-factor authentication (MFA) is a security system in which more than one form of authentication is implemented to verify the legitimacy of a transaction. In contrast, single factor authentication (SFA) involves only a user ID and password.

You will be asked to select and provide the answers to three security questions and select a Personal Identification Image (watermark).

What are my Security (Challenge) Questions?

You will select three questions during the enrollment process for Online Banking and provide an answer to each question that only you know. These will be your "security/challenge" questions. For your protection, if we detect anything out of the ordinary with your account or suspect unusual behavior involving your account, we will verify your identity by asking you your selected security/challenge questions.

Can I change my Security (Challenge) Questions and Answers?

To change your "security/challenge" questions, you must contact the Credit Union.

What is my Security Image?

Your security image is the image you select from our library during registration that will be displayed along with your security phrase during subsequent logins. You should never type in the answer to your security questions unless you see your security image and security phrase on the login page.

Can I change my Security Image?

Yes, you can change your Security Image at any time within Online Banking by selecting "Settings" from the menu then, clicking on the Watermark to change it.

Can I still access Online Banking from multiple computers?

Yes. You will need to answer your security questions in order to log in from a different computer.

Why am I shown my Security Image and Security Phrase? How does this help protect me?

One of the most common tricks fraudsters use is making users think they are logging into a valid website when they are indeed logging into a fraudulent site. Having a Security Image and Security Phrase that only we know makes it more difficult for fraudsters to trick you into giving them your answers to your security questions. If you never type in the answer to your security question unless you see your Security Image and Security Phrase then you will be less likely to be tricked into sharing it with fraudsters.