Enhanced Internet Security

Multifactor Authentication (MFA) Overview

What is MFA and why is it necessary?

Multifactor Authentication is a security method by which extra validation of your identity takes place when you initiate high-risk transactions or when you perform an action that is different from your usual online behavior.A high-risk transaction may include accessing Online Bill Pay or a transfer of funds. Unusual online behavior may include logging in from a different computer than you normally use to access. MFA provides extra assurance that your account is only accessed online by you and those you authorize.

The extra validation of your identity comes in the form of a challenge question in which you choose during the enrollment process of MFA. AACFCU does not have access to the answer of your challenge question, therefore make sure you choose something that is easy for you and you alone to remember. DO NOT print, store, save or share this information with anyone.

Is MFA enrollment mandatory or is it optional?

The Federal Financial Institutions Examination Council requires that ALL financial institutions provide enhanced authentication for online access to financial information.Therefore, MFA enrollment is mandatory and is in place for your added security. At AACFCU we are committed to providing the most secure Internet environment possible.

ENHANCED INTERNET SECURITY TROUBLESHOOTING

Initial Setup Help:

1. Verify Email address:
   • An email address is required in order to access your account. This is an added security measure the credit union uses to validate your identity.
   • Your email address is intended for identity and forgotten password notification purposes only.
   • If you have no email address, you will need to create one through a third party provider.
     
2. Joint Account Members:
• One security question is assigned to a Joint Members account.
• The question and answer is chosen by the first person of the Joint Account to set up the Enhanced Internet Security.
  
For example: If husband is primary member of the account and wife sets up the Enhanced Security then question / answer is selected by wife. Therefore, husband has to retrieve the answer from wife in order to access account.

Message reads: "Please validate your identity, we don't recognize the computer you are using"

1. How to fix this problem:
   • After successfully answering the security question at login, click the "User Options" button
   • Click "Enhanced Login Security"
   • Select "Add extra security protection to this computer (Recommended)"
   • Click the submit button
     
2. Deleted Internet Cookies: to avoid having to add extra security every time the Cookies are deleted, complete the following steps.
   • Download Adobe Flash Player 9 - click here to download
   • Follow the on screen instructions at the above web page.
   • Check to ensure Flash Player is installed
     • Click Start Menu >>Settings>>Control Panel>>add or remove programs
     • Check list to ensure Adobe Flash Player 9 is listed
     • If it is not listed, repeat the above steps
   • If the Cookies were deleted prior to installing the Adobe Flash player, Step #1 will need to be repeated.
     
     Note: The Cookie is a permanent cookie and a session cookie. This means that after you add extra security the cookie is installed and then each time you log in to your account the cookie is found and then replaced with a new one.
     
3. Flash Object installed, but still having to answer security question:
• Check to make sure your browser accepts third party cookies
• From your browser select Internet Options>>Privacy (tab)>>advanced>>(check)Override automatic cookie handling
• Make sure the First and Third party Cookies are set to Accept and also check "Always allow session cookies"