Enhanced multi-factor authentication security technology enables you to authenticate your internet banking transactions in real-time using your mobile device by means of a simple accept or reject response to an authentication request.
We will replace the current one-time password (OTP) system. In the future, when you perform a high-risk Internet banking transaction, you will receive an interactive pop-up message on your banking application on your mobile device providing the details of the transaction and requesting you to click either Accept or Reject the transaction. This is called a Push notification request. If a transaction is not legitimate, you can simply reject it by clicking the Reject button displayed in the authentication request and the transaction will not be processed, stopping the attempted fraud in its tracks. Please make sure your push notifications are enabled for your banking app. Push notifications are important because it gives you full overview and control of all transactions on your account.
We will replace the current one-time password (OTP) system. In the future, when you perform a high-risk Internet banking transaction, you will receive an interactive pop-up message on your banking application on your mobile device providing the details of the transaction and requesting you to click either Accept or Reject the transaction. This is called a Push notification request. If a transaction is not legitimate, you can simply reject it by clicking the Reject button displayed in the authentication request and the transaction will not be processed, stopping the attempted fraud in its tracks. Please make sure your push notifications are enabled for your banking app. Push notifications are important because it gives you full overview and control of all transactions on your account.
The app is available for all devices running iOS (iPhones and iPads), Android, and Windows Phone operating systems. There is also a version of the application that runs on most feature phones. If your phone has a color screen, a browser, and can run common applications, it should be able to support the authentication.
Biometric authentication is a security process that relies on the unique biological characteristics of individuals to verify they are who they say they are. Biometric authentication systems compare physical traits to stored, confirmed, and authentication data. If both samples of the biometric data match, authentication is confirmed. The advantages of biometric authentication are its convenience and security. Since biometric authentication uses unique characteristics for verification, they are difficult to replicate. Traditional methods, such as usernames, passwords or ID cards, are not as secure because they can be stolen or guessed easily.
- One-time payments
- Recurring payments
- Future-dated purchases
- Prepaid purchases
- Adding beneficiaries or making account changes
- ACH and wire transfers, Zelle or other P2P payments
Authentication request messages should appear on your mobile device within 5 to 10 seconds (on average) if the application is not open and has to be woken up. If the application is already open, the authentication request message should appear almost instantaneously. Traffic on the mobile network may affect the time that it takes for the message to appear on your mobile phone. The quality of coverage that your mobile operator provides in your location may also impact delivery times.
If messages do consistently take too long to reach your mobile phone, please contact our Customer Care team at 855-660-5862.
If messages do consistently take too long to reach your mobile phone, please contact our Customer Care team at 855-660-5862.
With this new way of authenticating, devices can be added to your account and identified as a ‘trusted device’. All authentication requests will then be routed to this trusted device to approve – this creates a trusted environment which increases safety and speeds up your authentication steps for future transactions.
To register a trusted device:
To register a trusted device:
- First time: automatic registration takes place which will give you the option to also enable your biometrics on your trusted device if the device has biometric capabilities.
- Adding additional devices: go to settings > device list > add a new device > follow the easy prompts to identify and register another device to be linked to your account. If the device has the capabilities, you will again be able to activate the biometrics if you wish to.
You can call your financial institution’s call center who will be able to manually remove the device in question from your trusted devices list to ensure no fraudulent activity can take place.