MFA FAQs

• What is MFA?
• How does MFA protect me?
• How does it work?
• Why is MFA more secure?
• Why am I being asked a question when I try to log in?
• What do I do if I don't remember my answers or provide the incorrect answers to the security questions and I get locked out of Online Banking?
• Can I access my account from multiple computers?
• How do I set up my security questions?
• What happens if someone steals my password? How will MFA keep them from accessing my account?
• What is Phishing?
• How does MFA protect me from a Trojan or Key Logger?
• How can I change the image that the system gave me?

1. What is MFA?
MFA stands for Multi-Factor Authentication.  MFA is a security feature that all banks with Online Banking services must provide since the 2005 FFIEC Strong Authentication security standards was releashed.

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2. How does MFA protect me?
MFA greatly decreases the chances that criminals can steal your Online Banking password.  By asking questions and choosing an image that only you would know which you chose it greatly increases the chance of you detecting a website impersonating as our own, and at that point you would not want to enter any additional information.

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3. How does it work?
When you enroll in MFA, you will select and answer three security questions and name an image.

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4. Why is MFA more secure?
If someone does somehow get your account number and password, he will still not be able to access your account because he will not know the answers to your security questions.

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5. Why am I being asked a question when I try to log in?
This is to prevent someone with stolen passwords from logging into your account. Since only you know the answer to the questions, they will be unable to access your account.

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6. What do I do if I don't remember my answers or provide the incorrect answers to the security questions and I get locked out of Online Banking?
Contact us by phone at 864.638.5444 to reset your security answers.

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7. Can I access my account from multiple computers?
Yes, you can still access your Online Banking account from any number of computers. You will just be asked to answer one of your security questions and given an opportunity to register that computer so you'll not have to enter a security answer in the future on that computer again. This helps protect you by keeping unauthorized people from accessing your information. There is no limit on how many different computers you can use to log in to your Online Banking account.

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8. How do I set up my security questions?
During the MFA enrollment process, you will be asked to select and answer three security questions from a list and to name an image. At any point, from within Online Banking, you can update your questions, answers, or image.

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9. What happens if someone steals my password? How will MFA keep them from accessing my account?
When someone tries to log in using your stolen user name and password, they will be asked one of your security questions. Since only you know the answers to your security questions, they will not be able to give a correct answer. They will not be able to log in.

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10. What is Phishing?
Recently there have been attempts by criminals to trick people into revealing their personal information, such as passwords, by creating fake websites that look very much like the sites of legitimate financial institutions. They send out emails randomly with links to these fake websites. This phenomenon has been called Phishing.

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11. How does MFA protect me from a Trojan or Key Logger?
Some criminals have been putting programs on random computers in order to harvest your account number and password information used to log in to websites. They collect this information and secretly transmit it to their own computers and attempt to log in to your site. These are called Trojans (short for Trojan Horse) or Key Loggers.

Once you have selected and answered your security questions, even if a criminal steals the account number and password, he will not be able to answer one of your randomly generated security questions.

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12. How can I change the image that the system gave me?
You can change the image by login in to the Online Banking service then going to "Options" then clicking on that image.

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