Introducing two-step verification.

Increased Authentication is a security feature that strengthens online and mobile banking security by using two-step verification during high-risk activities. When suspicious interaction is determined, using a new device or location to log in,  the member will be prompted to enter a one-time password sent through SMS (text) or email.

With cyber-attacks increasing in frequency and sophistication, Northern Birch Credit Union is enhancing account security by including a requirement for additional information during the log in process. This is another control to further protect our members’ privacy and security.

A two-step verification process is increasingly becoming a common security feature across all industries, including financial institutions.

No. Two-step verification is a required security feature for all members.

Members log in to online banking as they always have. The risk engine works invisibly in the background so that only suspicious activity is challenged by entering a one-time password to let the system know the login has been authenticated and can proceed normally.

A mobile phone (not landline) and/or email is required to set-up two-step verification.

Once set-up, you can update your two-step verification information in the “Profile and Preferences” section in online banking, or “Settings” on Mobile App.

Only 1 e-mail and 1 mobile phone number can be set up.

Currently two-step verification will only be used when the system detects unusual activity (like logging in from a different computer/device than usual, different location, etc.).

You will not have to enter a code each time you want to do your banking online. Two-step verification replaces the pre-existing security challenge questions.

The code is valid for 20 minutes from the time it is generated. It is important to note that if you are receiving the code by email, you have to keep your online banking tab open while you retrieve it. You can access your email by opening a new tab in your browser or logging in on another device.

After you set-up two-step verification if you are asked to input a code in the future, you will be locked out of banking if you input an incorrect verification code 3 times. If this happens, please contact us for assistance.

If you did not receive a code after 10 minutes, select "Didn’t receive a code?". We can send you a new one.

If you still don’t receive one, consider the following:

• Confirm that your device is connected to Wi-Fi or a cellular network
• Make sure Do Not Disturb and/or Airplane mode are not enabled
• Check that the number registered for 2SV was not a landline or an incorrect number
• Make sure your cell phone plan includes text messages
• Contact your carrier to ask about outages or blocked messages on your device
• If you registered with an email address, check your junk/spam folders

No, not at this time. Any login assessed as high risk will require the 2SV process.