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Two-Factor Authentication

Two-Factor Authentication

Learn more about two-factor authentication and how it enhances the security of your account online. This brief guide will walk you through the process for each option for authentication.

What is Two-Factor Authentication (2FA)?

Two-factor authentication is an advanced method of confirming your identity by using a combination of factors. For example, something you know such as a User ID and password, and a randomly generated, constantly-refreshing code. This tool has become the industry standard for multiple online services such as banks, email providers, social media, etc.

How does the Two-Factor Authentication work?

Retail clients can opt into one of four different options including text message, phone call, authentication app and a FIDO token.

Business clients can opt into one of three different options including an authentication app, FIDO token and a Symantec VIP token. Read our two factor authentication guide for businesses here!

   

Text Message option - Only available to Retail Clients

    • If you select the 'text message' option for authentication, a message containing your authorization should arrive within a few moments but could take up to a minute to arrive during peak access times.
    • Your authentication code will be sent from the number: 78156.

    Things to remember:

    • Authentication codes are always 7 digits long
    • Authentication code will expire after 15 minutes
    • Always verify you are using the most recent message

        

    Phone Call option - Only available to Retail Clients

    • If you choose the phone call option, please be sure you have access to that phone before starting the process.
    • Your phone calls should arrive within a few moments but could take up to a minute to arrive during peak access times.
    • The auto assistant will ask you to verify you are human by pressing a number on the keypad. This number will change each time you receive this phone call.
    • Authentication codes will come from phone number: (360) 492-4670.
    • The auto assistant will repeat the 7-digit number slowly three times before ending the call.
    • Authentication code will expire after 15 minutes.

       

    Authentication App option

    • Any free authenticator app (e.g., Google Authenticator, Microsoft Authenticator) is supported and can be used.
    • Authentication codes are normally 6 digits and refresh every 30 seconds.

    FIDO Token option

    • For those who prefer added physical security, FIDO tokens are supported and can be purchased online.
    • You can test your security key for compatibility by trying to connect it to WebAuthn.io. If your key does not connect, it will fail to connect to our Digital Banking platform.

         

    Common Questions & Answers

    QUESTION: I don't have a cellphone. What options do I have to receive the two-factor authentication?

    ANSWER: You have three options available:

    Option 1: You can choose the phone call option to receive your authentication code.

    Option 2: You can download a free authentication app on your device.

    Option 3: You can purchase a FIDO token for additional security.

       

    QUESTION: Since phone call and text authentication methods are no longer available for business online banking, what other methods can I use to authenticate?

    ANSWER: You have two options available:

    Option 1: Download a free authentication app. It will function as a soft token for verification.

    Option 2: Purchase a FIDO token. It will function as a security key for your account

     Note: When purchasing your FIDO token, be sure and test your security key for compatibility by trying to connect it to WebAuthn.io.