Introduction to
Multifactor Authentication
What is
Multifactor Authentication?
Multifactor Authentication (MFA) is a form
of security that requires you to use two of
the following to verify that you are who you
say you are:
What you know?
What you have?
Who you are?
What you do?
Where you are?
You are using multifactor authentication in
your daily life when you use an ATM:
ATM: What you have? - ATM Card
What you know? - PIN number
Internet Banking in general has been
using single factor authentication such as
user name and password (What you know) to
access accounts. Due to the increase in
internet related crimes (phishing
and pharming) this is no longer viewed
as adequate.
River Cities Bank is adding a step to the
Internet Banking identification process:
What you have? - Your Computer.
Why are we now
using Multifactor Authentication?
The
FDIC
has required every bank to implement a risk managed system to
further protect customer information. With
the growing online, telephone, and email
security issues including Identity Theft and
Phishing, incorporating multifactor
authentication is imperative!!
What will I have
to do?
- You will first enter your Access
ID... then Password
- You will then Enroll to establish an MFA record on our server.
***If you are a new Internet Banking user,
you will enroll on your second
login attempt. This is done so you can
initially build a valid Caller Record for
Internet Banking.
- You must enter a valid email
address; if not already established.
- Next an Image is assigned to you;
which you can change later.
- You will need to enter a pass phrase
relative to the Image.
- There will then be three Challenge
Questions. You must choose and enter an
answer for each.
- Lastly you will be asked to choose
whether the computer you are using is Personal or Public.
- From this point on, depending on
which computer you use, you will have to
verify an Image and pass phrase to
verify the site is legitimate and then
enter your Password to verify yourself.
If you have chosen that the computer you
are attempting to login on is a public
computer, or you haven't used the
current computer before to log in to
Internet Banking, you will be prompted
to Answer a Challenge Question.
NOTE: It is
important to only register computers that
are Personal; i.e. a home computer or a
computer that you exclusively use at work.
If you or another user on any computer you
choose as Personal deletes the 'cookies'
from your Internet Properties, you will have
to correctly answer a Challenge question and
re-Register that computer. You may Register
more than one computer as a Personal
computer.
Are you a New
Internet Banking Customer?
***If you are a new Internet Banking user,
you will enroll on your second
login attempt. This is done so you can
initially build a valid Caller
Record for Internet Banking.
- Choose the 'First Time Users' button.
- Choose correct Account Type
- Enter Access ID (Your Account
Number)
- Password (Last four digits of SSN or
Tax ID # if it is a business)
- Change Access ID & Password (6-10
characters)
Enrollment Instructions
First-Time User-
Choose account type and Enter your Access ID
(Account Number) and Password (Last 4 digits
of your SSN)
Click Submit and choose a new
Access ID and Password. Passwords must be
6-10 characters. Skip next two steps.
Current User-
Enter Access ID:***If you are a new Internet Banking user,
you will enroll on your second
login attempt. This is done so you can
initially build a valid Caller
Record for Internet Banking.
Next Enter Your
Password:
You will then be
asked to enroll to establish
an MFA record on our server:
- You must enter a valid email
address; if not already established. The
email address is used to send you your
password if forgotten.
- Next an image is assigned to you;
you will be able to change this image to
one of your own choosing later.
- You will need to enter a pass phrase for
the image. You may not use any
punctuation!
- There will then be three Challenge
Questions. You must choose and enter an
answer for each. Choose a question you
would like to have using
the drop-down arrow. Please pick
questions that you will remember the
answer to because these will need to be
answered to access your account from a non-register computer.
- Lastly you will be asked to choose
if the computer is Personal or Public.
If you choose Personal a cookie and
Flash object will be installed on the computer. The flash object allows us to verify
that it is you, so the next time you log
on you will not have to answer the
challenge question.
NOTE: It is
important to only register computers that
are Personal; i.e. a home computer or a
computer that you exclusively use at work.
If you or another user on any computer you
choose as Personal deletes the 'cookies'
from your Internet Properties, you will have
to correctly answer a Challenge question and
re-Register that computer. You may Register
more than one computer as a Personal
computer.
Logging In
Logging in after
MFA enrollment:
- Enter Access ID
- If you are logging on from a
registered computer go to step 3. If the
computer is not registered skip to step
4.
- Verify the Image and pass phrase &
Enter your Password. If the image
or pass phrase is incorrect, do not enter your password. The
image and
pass phrase are your way of knowing that
it is the official bank site. If these
are incorrect, it could be a scam that
is trying to obtain
your access information. Please contact the bank
immediately if this happens:
715-422-1100
- If the computer is not registered,
you will be asked to Answer a Challenge
Question. Type in the correct answer and
choose if the computer is Public or
Private and click submit.
- Verify the image and pass phrase &
Enter your Password. Again, if the image
is incorrect, do not enter you password.
Contact River Cities Bank immediately at
715-422-1100.
While you are
logged in, you may change any of your MFA
enrollment information, Password, or Email
Address:
Hover your mouse pointer over the
Change Password button
and Choose any of the three options:- Change Password
- Change Email Address
- Change Security Data, MFA
information (shown below)
Within Change Security Data you may:
- Change Image - Click on the Image
you want. There are over 30,000
images to choose from. By placing a
check in the box, the image will
stay on the page while you scroll through the
other images.
- Change pass phrase
- Change challenge questions
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