What is multi-factor authentication?
With the Multi-Factor Authentication security feature, your identity is verified to the system in two distinct ways, and the OneCalifornia Bank site is identified to you as the genuine site instead of that of a fraudulent imitator. The following security features are used: Yellow Arrow Upon initial log-on, you will be invited to allow the system to obtain certain metrics from your machine (called “registering” the machine). These metrics will allow the system to uniquely identify your machine on subsequent access attempts. Yellow Arrow Once you have signed up for MFA Security, you will choose an Authentication Image from the image database, and associate a Pass Phrase with that image. The image and phrase will be presented to you each time you log on to the system; since no one else should know your image/phrase pairing, you can be sure you are accessing the OneCalifornia Bank site.
Multi-Factor Authentication consists of validation and authentication of an individual using more than one method of verification. Generally, this is accomplished by verifying three things: • Something you are, in the form of identifying information like your dog’s name or where you went to high school. • Something you have, for example a driver’s license, or a security token. • Something you know, such as a password or pin number. Item #1 – You will need to create three (3) question and answer pairs. This allows us to verify that you are in fact, you, by presenting you with a question that only YOU know the answer to. If you don’t answer the question correctly, you will not gain access to your accounts. Item #2 – You will also need to create a “Security Key”. This allows you to verify that you have reached our online banking site, and not some other site. Every time you attempt to log in to your accounts, we will send you a graphical representation of the Security Key that you created
To safeguard your personal information and account access, Heartland Bank Direct has implemented Multi-Factor Authentication to verify our customers’ identities. When you open a Performance Savings Account, you will be asked to select a user name and password as well as answers to two questions that are familiar to you (for instance, the make of your first car or the name of your first elementary school). You then have the choice to tell our system to remember the computer you’re on for the next time you log in. If you don’t want this option, or if you try to log in to your account from another unrecognized computer, you’ll be prompted to answer the two questions you originally set up.
Standard Bank & Trust is proud to deliver the highest level of security for our Online Banking customers. An additional layer of security has been added to our log in process to both our Consumer and Business Online Banking Services. This will help ensure that your information is secure, protecting you from fraud and identity theft. Nothing within either service has changed, the only difference you will notice is the actual login process. Click here to learn more about how Multi-Factor Authentication will help protect your account information.
