Online Banking Multi-Factor Authentication

Here’s how our powerful security measures work:


MFA Level 1

Level 1 Login Credentials

The access process begins with you typing in your correct User ID and Password.  These must match system records or access is immediately refused.


MFA Level 2

Level 2 Device Recognition

Then we check the device you use – your computer, mobile phone or tablet.  If we don’t recognize the device, we may ask a challenge question to ensure your identity.

MFA Level 3

Level 3 Geographic Location

We also check geographic indicators. If you’re trying to log in from a new location, we may ask additional questions.

Security you can check:

Before entering your password or answering the Security Challenge, check your browser’s address bar. We’ve added an additional layer of security that shows if you are connected to a safe server. If your browser’s address bar is GREEN, your connection is safe. If it’s not GREEN, stop your log in process and contact us.

Here’s how the GREEN address bar may appear in your browser.


We want you to know your account is safe with us. If you have any questions about the security we use for our online services, feel free to contact us at 423-365-8400.