Multi-Factor Authentication (MFA)

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• + What is MFA?

  MFA stands for Multi-Factor Authentication, which is a procedure that helps ensure only you can access your UFCU accounts through Online Banking.

• + Why do I need MFA?

  MFA greatly decreases the chances that criminals can steal your Online Banking password. Usually, passwords are stolen when an unsuspecting user tries to access a site that is impersonating UFCU. MFA helps prevent this situation.

• + How does it work?

  When you visit a UFCU branch, you know our faces and we know yours. MFA does the same thing over the Internet, helping us to more accurately identify each other. When you enroll in Online Banking, you will be prompted to enter a security code that helps us verify your identity.

• + How is MFA more secure?

  If a fraudster does somehow get your Login ID and password, he will still not be able to access your account because he will not have access to your unique security code. Thus, he will be unable to complete the login process.

• + How many chances will I have to enter my security code?

  You will have three chances to provide the correct security code. If you fail to enter the correct code after three attempts, your account will be restricted from online access. If this happens, contact Member Services for assistance.

• + Can I access my account from multiple computers?

  Yes, you can access your UFCU account from any number of computers. You will be asked to enter a security code on each device. This helps protect you by keeping unauthorized people from accessing your information. There is no limit on how many different devices you can use to log in to your UFCU account.

• + I share my computer with someone who has their own UFCU account. Can we both log in from the same device?

  Yes, you can both use the same device to log in to your individual bank accounts. There is no limit on how many people can log into the UFCU website from the same device.

• + What happens if someone steals my password? How will MFA keep them from accessing my account?

  When someone tries to log in using a stolen user name and password, they will be asked to enter a security code. Only you have access to receive this code, so no one else can use the code to log in.

• + How does MFA protect me from a Trojan or Key Logger?

  Some criminals have been putting programs on random computers to harvest account numbers and password information used to log in to websites. They collect this information, secretly transmit it to their own computers, and attempt to log in to your site. These are called Trojans (short for Trojan Horse) or Key Loggers.

  Security codes prevent these fraudsters from completing the log-in process, even if they are able to access your user name and password.