Help - MemberDirect®

Learn more about 2-Step Security

Why it's important

It is easier than you think for someone to steal your password

Did you know, these common actions could put you at risk of having your password stolen:

2-Step Security can help keep bad guys out, even if they steal your password.

Is it possible for me to lose access to all my accounts and everything in it?

If a bad guy steals your password, they could lock you out and gain access to your account(s). This puts your applications and transactions at risk.

2-Step Security is a feature that can help keep your financial institution protected.

How it works

A way to authenticate you as the authorized user

When you set up 2-Step Security, you will be assigned a hard token or asked to register for a soft token with your trusted mobile device. A hard token is a physical device that can be used to display a one-time password. A soft token, is an application on your trusted device that can receive one-time passwords through a mobile app. One-time passwords are time-sensitive passwords that change at regular intervals and are only available on the token or trusted device. This means that nobody will know the password at any given moment, but you.

Signing in to your account will work a little differently

Any time you need access to an application protected by 2-Step Security:

  1. You will enter your username and password as usual.
  2. You will be asked to enter the one-time password from your hard token or trusted device.

How it protects you

An extra layer of security

Most people have only one level of security – their password – to protect their account. With 2-Step Security, if a bad guy hacks your password, they’ll still need access to your hard token or device to gain access.

With 2-Step Security your account will be protected by something you know (your password) and something you have (your hard token or device).