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Multi-Factor Authentication FAQ's

What is Multi-Factor Authentication (MFA) security?
MFA security is a second layer of security that is added to protect users from the growing number of internet security threats. This second layer of security combined with your login ID and password represent two factors in logging in to our internet banking system.
How does MFA work?
Users receive a secure access code to register their computer for one time or later use. When the user registers the computer for later use, a secure token is placed on the computer. The next time the user logs in with their login ID and password, the system recognizes the secure token and has met the second factor for authentication. Secure access codes can only be sent to contact points (telephone or email address) that are registered in the banks database. Secure access codes are valid for 45 minutes.
Do I have to use MFA security?
Yes, for your protection, First Security Bank automatically adds this security feature to your internet banking service. This second level of authentication helps to prevent the possibility for online fraud. One common method of fraud involves impersonating members through the sign on process. If fraudsters cannot receive the secure access code, then they can’t access your internet banking account.
Should I register a public computer (coffee shop or library)?
Users should not register a public computer. If a computer is registered, the fraudster only needs to get the users login ID and password to be able to access your internet banking account.
Can I register more than one computer?
Yes, you can register more than one computer. We do not recommend registering public computers.
How do I un-register a public computer?
Our CSR’s can un-register a public computer in our system.
Why do I have to re-register my computer all the time?
Each computer must be registered the first time in order to log in to your internet banking. If you or your anti-virus software deletes your computers cookies, you may have to re-register the computer. Some browsers allow you to protect a cookie from being deleted. The cookie would be registered as or
If you have Adobe Flash Player installed on your computer, flash shared objects may be used to identify your computer. Adobe Flash Player can be downloaded for free at Some browsers work better with the flash shared objects than others when a user deletes their cookies.
Do I need to change my password?
No, you do not need to change your password when you register a computer. We do recommend that you change your password often.
If someone steals my password, will the system prevent them from accessing my account from a different computer?
If your login ID or password are known by someone else, it is important we change your password and possibly your login ID. In order to access your internet banking account, the person would need to have access to the telephone number or email address on file with the bank to receive the secure access code.
How do I change my telephone number or email address for the secure access code delivery?
After logging in to your internet banking, click on Security under the Preferences Section. Click on the Secure Delivery tab and add, remove or change the telephone number and email address. The change is immediate in our database.

Security Tools & Tips

Mobile Banking Security

Invest in an antivirus application for your mobile device to help protect you when downloading apps or mobile content. Never provide personal identification or banking information over your mobile device unless you initiate the contact and you know that you’re dealing directly with your bank. Never share your password, account number, PIN and answers to secret questions. Don't save this information anywhere on your phone. Never set the app, web or client-text service to automatically log you in to your bank account. If your phone is lost or stolen, someone will have free access to your money. Set the phone to require a password to power on the handset or awake it from sleep mode. Remember, your bank would never contact or text message you asking for personal or banking information. Assume any unsolicited text request is fraudulent. Giving this information places your finances and privacy at risk. Immediately tell your mobile operator and your bank if you lose your phone.

Provided by Independent Community Bankers of America


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