OTIS Federal Credit Union - Jay, ME

Otis Credit Union

(207) 897-0900


Account Number:
Access Code:

	*Multi-Factor Authentication Frequently Asked Questions*
	What is Changing? The Authentication process in Home Banking will require a two step process. Members will enter their Account Number and Access Code as usual but will then be taken to a secondary authentication page in which they must answer one random question that they have selected during registration.
	Why is this change taking place? OTIS Federal Credit Union is committed to ensuring security for our members. Home Banking authentication methods are being enhanced to increase security to help protect our members.
	How do I register to use the new security features? When you login to Home Banking you can register one of two ways. If you have not registered yet you will see a message on the Account Summary screen that includes a link. Click the links "Sign Up Now" to register You have not signed up for Multi-Factor Authentication. You must sign up by March 10, 2008. Would you like to SIGN UP NOW. Click the "True Factor" link from the left hand menu in the Home Banking to begin the registration process.
	What is my Security Image? Your security image is the image you select from our library during the registration process that will be displayed along with your security phrase during subsequent logins. You should never type in the answer to your security questions unless you see your security image and security phrase on the login page.
	What is my Security Phrase? Your security phrase is a custom phrase you type in during the registration process that will be displayed along with your security image during subsequent logins. You should never type in the answer to your security questions unless you see your security image and security phrase on the login page.
	What is my Security Questions? Your security questions are the three questions you chose during the enrollment process. You will also provide an answer to each security question that only you know. You will be asked one random question during each subsequent visit to Home Banking.
	What is my e-mail address used for? The e-mail address you provided during registration will be used in the instance you do not know the answer to your security questions and therefore can't get logged into Home Banking. When requested, a randomly generated one-time authentication code will be sent to this e-mail address that you will then use to be authenticated.
	Which e-mail address can I use? You may use any e-mail address you choose. We highly recommend that you use an e-mail address that you can access from a browser interface. This e-mail will only be used when you forget your answers to your security questions.
	Can I change my Security Image? Yes, you can change your Security Image at any time by selecting "True Factor" from the left hand menu inside of Home Banking.
	Can I change my Security Phrases? Yes, you can change your Security Phrases at any time by selecting "True Factor" from the left hand menu inside of Home Banking.
	Can I change my Security Questions and/or Answers? Yes, you can change your Security Questions and/or Answers at any time by selecting "True Factor" from the left hand menu inside of Home Banking.
	Can I change my e-mail Address? Yes, you can change your e-mail Address at any time by selecting "True Factor" from the left hand menu inside of Home Banking.
	Can I still access Home Banking from Multiple computers? Yes, you will be asked one of your Security Questions every time you log into Home Banking. This will happen the exact same way from any computer whether you have logged in from it before or not.
	Why am I shown my Security Image and Security Phrase? How does this help protect me? One of the most common tricks fraudsters use is making users think they are logging into a valid website when they are indeed logging into a fraudulent site. Having a Security Image and Security Phrase that only we know makes it more difficult for fraudsters to trick you into giving them your answers to your security questions. If you never type in the answer to your security question unless you see your Security Image and Security Phrase then you will be less likely to be tricked into sharing it with fraudsters.

Location:170 Main Street ● Jay, Maine
Mailing: PO Box 27 ● Jay, ME 04239
Routing # 211287609

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