Setting Up Two Factor Authentication in Digital Banking

Starting February 5^th, Community First will no longer send verification codes to email addresses. These verification codes are used when logging in on a new device, linking external accounts, updating contact information, and other functions in digital banking.

Email is easily compromised by fraudsters and CFCU wants to ensure the highest level of security for your accounts.

Please take the time to ensure you have a valid phone number on file with us to receive these verification codes.

Make Sure You Have A Phone Number on File

Before setting up SMS-verification, make sure you have a valid phone number on file in digital banking.

Navigate to 'Settings’, then click on the ‘Contact’ tab.

1. In the Contact section, under “Phone”, you will see all phone numbers connected to your account. If your preferred phone number is listed, make sure there is a message next to it that says SMS; this means that verification codes can be sent to your phone.

If your preferred phone number is already listed and is tagged as SMS, you do not need to take any further action and can move to the next section labeled "Setting up Two-Factor Authentication With Your Phone Number". If you do not see your preferred phone number or it does not have the SMS tag next to it, follow the instructions below.

1.   To edit/add a phone number, click the little pencil icon next to the phone number you’d like to update/add.
2.   Enter/update in your phone number.
3.   Make sure to check the box: “I Would Like To Receive SMS Text Messages to This Number”.
4.   Click the yellow button that says “Send code via text”. This is so we can verify your phone number.
5.   Enter in the code received and hit “Verify”.
6.   Make sure to click “Save Changes”.

It is important that even if you do have a valid phone number listed in the contact section, make sure that the checkbox enabling text messages is selected so you can use this phone number to receive verification codes.

‍

Setting up Two-Factor Authentication with your Phone Number

‍

Make Sure SMS Verification is Enabled

1. In the “Settings” section, navigate to the “Security Tab”. You will see a section labeled “Two Factor Authentication”.
2. In the row labeled “Code via SMS”, make sure there is a green bubble saying “Enabled”. If this is present, move onto the section below, "Verifying Phone Numbers for Two Factor Authentication".
3. If “Code via SMS” is not enabled, click on the edit icon (little pencil) and toggle the switch to “On”.
4. You may be prompted to enter a code received via email or phone call.
5. After the toggle is successfully switched on, click done.

‍

Verifying Phone Numbers for Two Factor Authentication

1.   In the “Settings” section, navigate to the “Security Tab”. You will see a section labeled “Two Factor Authentication”.
2.   In the row labeled “code via SMS”, click on the edit icon (little pencil).
3.   All phone numbers associated with your account will be shown. Verify that the phone number you’d like to receive texts to is present. If it is not, please return to the contact section to add your phone number.

‍

Please note that this can only be done on desktop. You can edit phone numbers in the app, but changing two-factor authentication in the security section requires you to be on desktop.

If you do not have a phone number that is able to receive text messages, please refer to the section below on using phone calls to receive verification codes.

‍

Setting up Two Factor Authentication with Voice Calls

Follow the instructions below if you do not want to receive verification codes through text or do not have a phone that can receive SMS texts.

First, verify your phone number is on file using the instructions in the first section of this article.

Navigate to 'Settings’, then click on the ‘Contact’ tab.

1. In the Contact section, under “Phone”, you will see all phone numbers connected to your account. If your preferred phone number is listed, you do not need to take any further action and can move to the next section, "Make Sure Voice Call Verification is Enabled".
2. To edit/add a phone number, click the little pencil icon next to the phone number you’d like to update/add.
3. Enter in your phone number.
4. Make sure to click “Save Changes”.

‍

Make Sure Voice Call Verification is Enabled

1. In the “Settings” section, navigate to the “Security” section. You will see a section labeled “Two Factor Authentication”.
2. In the row labeled “Code via Voice Call”, make sure there is a green bubble saying “Enabled”. If this is present, move onto the next section.
3. If "Code via Voice Call" is not enabled, click on the edit icon (little pencil) and toggle the switch to "On".
4. You may be prompted to enter a code received via email or phone call.
5. After the toggle is successfully switched on, click done.

‍

Verifying Phone Numbers for Two Factor Authentication (Voice Calls)

1. In the “Settings” section, navigate to the “Security Tab”. You will see a section labeled “Two Factor Authentication”.
2. In the row labeled "code via Voice call", click on the edit icon (little pencil).
3. All phone numbers associated with your account will be shown. Verify that the phone number you'd like to receive verifications calls to is present. If it is not, please return to the contact section to add your phone number.

Please note that this can only be done on desktop. You can edit phone numbers in the app, but changing two-factor authentication in the security section requires you to be on desktop.

‍

Using Two Factor Authentication

When you log into a new device or perform another function in digital banking that requires Two Factor Authentication for security (linking external accounts, changing security settings, etc.), you will be prompted to receive a verification code via the options you have enabled (SMS or phone call).

All phone numbers you have in your account will show up as options to select for where the code goes to. For SMS verification codes, be sure to select the phone number you enabled to receive SMS verification codes. If you select a phone number that is in your account that you have not enabled to receive SMS text messages, the code will not go to that number, even if it is a phone that is capable of receiving texts.