Secure Online Banking

Banner graphic showing hand holding mobile phone with multifactor authentication screen on phone.

Multi-Factor Authentication (MFA)

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Multi-Factor Authentication (MFA)

Welcome To An Even More Secure Digital Banking Experience!

Multi-Factor Authentication (MFA) has been integrated as part of digital banking. As part of our continued focus on your security, starting December 6, 2022, an MFA update will go into effect for digital banking – online and mobile banking1. The update will further enhance the protection of your digital banking experience.

What the update includes –

  • NEW – You will now be asked to perform MFA upon logging in to digital banking.
  • You will also be asked to perform MFA every time you conduct the following functions within digital banking –
    • p2p
    • External Transfers
    • Debit Card PIN Changes
    • ACH Origination
    • Wire Transfers
    • NEW – Add Payee to Bill Pay

 

We’ve Made It Easy

graphic showing mobile phone with multifactor authentication and the headline Simple and even more secure.

 

If you have previously registered your device to enable MFA in digital banking, you will simply be prompted to use MFA upon log in and for certain functions (as noted above) starting December 6, 2022.

Beginning December 6, 2022, if you do not currently have MFA enabled and a device registered, you will be prompted to do so to enable you to take full advantage of all online and mobile banking features. You will then perform MFA when you log in to digital banking and for the specific transactions noted above. Click below to preview or reference the easy steps to registering a device.

Click to preview or reference the easy steps to registering a device

 

What to Know Going Forward

Once you’ve registered your device for MFA, every time you log in to digital banking or perform a p2p, external transfer, debit card pin change, ACH origination, wire transfer or add a payee in bill pay in digital banking, MFA will direct you to receive and enter an authentication passcode to verify it is you logging in or performing the transaction. Click the button below to see an example of how MFA works for an external transfer transaction.

Click to preview an example of how MFA works for an external transfer transaction.

 


You will have the option to remember your device when logging in to digital banking. If you do select to have your device remembered, you will still be prompted periodically to reauthenticate your device with MFA at log in.  The option to remember your device does not apply for each function or transaction noted above, only at point of log in.  


 

Learn More About MFA

What is MFA?

MFA strengthens security measures for your digital banking experience by adding layers beyond a login to confirm that it is you who is performing the task/transaction. With MFA you will be asked to enter a one-time passcode to authenticate your identity as you log in and perform certain transactions.

Why Are We Incorporating MFA?

We continue to proactively implement products, services and systems, like MFA and this update, to mitigate against your financial data being compromised.

MFA provides a more robust level of security for utilizing all of the functions in online and mobile banking, and safeguarding you as best as possible while doing so. It adds layers beyond a login to confirm that it is you who is accessing your account and performing functions where MFA is necessary. MFA is simple to use (when prompted, enter a one-time passcode sent to you), while strengthening the protection of your identity.

What Digital Banking Functions are Affected by MFA?
  • NEW – You will now be asked to perform MFA upon logging in to digital banking.
  • You will also be asked to perform MFA every time you conduct the following functions within digital banking –
    • p2p
    • External Transfers
    • Debit Card PIN Changes
    • ACH Origination
    • Wire Transfers
    • NEW – Add Payee to Bill Pay

You will have the option to remember your device when logging in to digital banking. If you do select to have your device remembered, you will still be prompted periodically to reauthenticate your device with MFA at log in.  The option to remember your device does not apply for each function or transaction noted above, only at point of log in. 

Is There Anything I Need to do if I am not currently registered for MFA?

If you do not currently have MFA enabled and a device registered, simply log in to digital banking and you will automatically be guided through MFA set up to register/authenticate a device that will be used to verify your identity.

What are the methods to receive the MFA one-time passcode?

MFA passcodes can be set up and delivered by –

  • Text Message
  • Phone Call
  • Third-party application – DUO Mobile

You have the ability to choose your delivery method during the set up of your device.  You will also have the option to choose your delivery method with each MFA transaction.

 

If you have questions, please contact a Customer Care Specialist at 888-9-BELONG (888-923-5664) or email at info@providence.bank.*

 


Important Disclaimer Information:

All trademarks and registered marks are the properties of their respective owners.

Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day. However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply. In addition, your wireless carrier may charge you a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees or restrictions may apply.

*Do not send sensitive personal information via email, including account numbers, social security numbers, date of birth or any information that is intended to be kept private.