Effective June, 2009

New Form of Two-Factor Authentication In Effect
For Home Banking

By January 1, 2007, all federally insured financial institutions were required to implement a 2 factor authentication system. The traditional single factor system using only account number and password for allowing access to personal information is now considered inadequate. The new law does not require or specify any one way to do this. Instead it lists many ways that may be used to accomplish this. We have selected what we believe is the simplest and least intrusive method.

To login to Home Banking, you type your account number & PIN (Personal Identification Number) as you always have – with no added steps. When you try to access your account from an unknown machine (all computers since we are just starting), you will be required to choose 3 different questions and provide answers to each.

At this point you have a choice as to whether or not you consider the PC you are at is one you want to be a secure PC. If you are using a public PC that you would not want anyone else to be able to access your account from, you would not specify it as a secure device.  (You would answer no to the question: Do you want us to remember this computer so you can avoid answering challenge questions the next time you log in?).  If you are using a home PC or one at work that you have complete control over you could specify it as a secure device. Un-Secure devices will always require you to answer at least one of the questions you previously chose correctly. Secure devices (which you answered yes to the question: Do you want us to remember this computer so you can avoid answering challenge questions the next time you log in?) only require you to choose and answer the three questions initially.  You will not be required to answer the questions again when using that computer.  Thereby not burdening you again with the additional steps. Please note that if you ever delete cookies on your computer that it also removes the secure status. The next time you login to Home Banking you will have to answer correctly at least one of the original questions you chose.  Your answers are not case sensitive.

In the event you do not answer at least one question correctly, after three attempts, you will be temporarily locked out for a period of 10 to 20 minutes.  If you do not remember any of your answers to the questions you answered, you will need to contact the credit union at the phone # listed below.

You may change your questions by clicking on the settings link and choosing different questions and answers  after you are logged on to your account.

The Credit Union is committed to providing the highest level of security possible. If you have any questions please call us at 586 264-1212 or 800 974-6478.