Multifactor Authentication Questions
What is Enhanced Login Security (Multifactor Authentication)?
Enhanced Login Security (Multifactor Authentication) is an online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security (Multifactor Authentication) helps prevent unauthorized access to your accounts and your secure financial information.
Why do I need to use Enhanced Login Security (Multifactor Authentication)?
Enhanced Login Security (Multifactor Authentication) will allow us to recognize you as the true owner of your account by recognizing not only your log in information but also your computer. If we don't recognize your computer, we will request additional information that is known by only you in order to ensure authorized access.
How does Enhanced Login Security (Multifactor Authentication) work?
You will need to add extra security to each computer that you use for online banking. This can be done easily from the Enhanced Login Security (Multifactor Authentication) Options page. Whenever you log in from a computer that you have added extra security to, you will automatically have additional protection but will notice no difference in the way you log in. However, if you log in from a different computer, you will be asked for additional information in order to log in.
Please note that if you use multiple browsers within the same computer, you will need to add extra security to each browser separately.
How do you recognize my computer?
When you add extra security to your computer, a secure cookie will be placed on your computer. When used in combination with your log in information, the cookie creates a unique way to identify you to the system. For every log in attempt after you add extra security to one computer, this secure cookie is validated along with the log in identification you normally enter. This secure cookie is only used by MIT FCU to validate your identity and does not contain any personal information.
What will adding extra security protection do for me?
Adding extra security protection allows us to recognize your computer along with your normal log in information. This adds additional protection from unauthorized access to your accounts. If someone were to obtain your log in information and try to access your account from their computer, extra security protection will stop them from gaining access because they will be asked for information that is only known to you.
What will happen if I remove extra security protection from this computer?
If you remove extra security protection from your computer, the secure cookie will be removed. All future log ins from this computer will require you to provide additional information about yourself that only you know. To remove extra security protection from your computer, log in to e-Branch, select the Enhanced Login Security (Multifactor Authentication) Options page, click the radio button that says "remove extra security from this computer", and then click the submit button.
How does Enhanced Login Security (Multifactor Authentication) protect me?
Enhanced Login Security (Multifactor Authentication) allows us to know that it's really you logging into your account. We know it's you because we recognize your computer AND your log in information. If we do not recognize your computer, then you will be asked for additional information that is known by only you.
Can I log in from multiple computers and browsers?
Yes, you can log in from as many different computers and browsers as you like. If you log in from a computer that you haven't added extra security to, you will be asked for additional information so that we can verify that it's really you. If you provide this information correctly, you will have the option to add extra security to that computer to avoid being asked for this extra information again.
Please note that if you use multiple browsers within the same computer, you will need to enroll each browser separately.
When I add extra security, can I still log in to my account from anywhere?
Yes, this feature does not prevent you from logging in from any computer. If we do not recognize the computer that you are using, we will simply ask for additional information that only you know before allowing you access.
What should I do if I do not want to use a computer that I have previously added extra security to?
If for any reason you no longer plan to use a specific computer to access your accounts, you should remove the extra security. This can be done by logging into your account from the computer that you wish to remove the extra security from and selecting the "Remove Extra Security from This Computer" option from the Enhanced Login Security (Multifactor Authentication) Options page. This will remove the secure cookie from that browser; if an attempt to log in to your account is made from that computer, extra information will be requested before access is granted.
Why do I get asked questions when I log in from a computer that I have already added security to?
This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your machine. This is a common method that Spyware blocker software uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for additional information at each log in, the secure cookie that we use to identify your computer must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for additional information at each log in.
I share my computer with someone who also uses e-Branch. Can we both log in from the same computer?
Yes. You can use the same computer to log in to your individual accounts safely; you will not be able to access each other's information. This is because your secure cookie is linked to only your log in information. There is no limit as to how many secure cookies can be installed on the same computer. Just remember to never share your Member Number or PIN with anyone.