FFIEC guidelines require multiple levels of authentication for consumers using electronic banking. The Q2 solution is referred to as "MultiFactor". This process employs the use of email and/or voice delivery of a temporary access code to satisfy the requirements of a user both "knowing" and "having" the data elements necessary for authorized access to online banking.
Via Telephone:
- Secure Access Codes are never left on voice mail.
- Secure Access Code length is determined by the financial institution.
- Secure Access Codes are only used in combination with the requesting customer’s User ID and Password.
- Unused Secure Access Codes expire after a designated number of minutes (default is 20 min).
- Used Secure Access Codes immediately expire and cannot be reused.
- If the user believes the Secure Access Code request is fraudulent, they are presented with the option to immediately disable their online and/or voice account access.
Via E-mail delivery:
- "From" address is set by the financial institution to restrict replies or forwarding.
- Secure Access Code length is determined by the financial institution.
- Secure Access Codes are only used in combination with the requesting customer’s User ID and Password.
- Unused Secure Access Codes expire after a designated number of minutes (default is 20 min).
- Used Secure Access Codes immediately expire and cannot be reused.
Step 1: Key in your Login Id and Password, then click GO
Step 2: A listing appears with your contact information – Choose the delivery method for your secure access code (phone or email) – then click Continue
CAUTION: If the secure contact information displayed has changed or is otherwise incorrect DO NOT continue with the login process. Please contact the bank at 770-358-1100 and we will assist you with the login process.
Step 3: The Internet Banking server initiates the outbound call to your phone or an outbound e-mail to your e-mail address (the phone number or e-mail address must reside in the banks system as your Secure Access Delivery method)
Step 4: Upon answering the phone or viewing the e-mail, you will hear/see a generic message from the bank indicating you have requested a temporary access code (the message does not indicate that the call/e-mail is for Online banking, Voice, ATM etc. - you should be expecting the call/e-mail)
NOTE: The voice/email notification, in most cases, takes approximately 1 to 2 minutes to arrive. If, after 15 minutes you still have not received your Secure Access Code, please contact the bank at 770-358-1100 and we will assist you with the login process.
Step 5: Key in the Secure Access Code received by phone/e-mail - The Secure Access Code is valid for only 15 minutes - Click Continue
Step 6: Select a type of browser activation. Click Continue
NOTE: (Depending on your selection in Step 6) A secure access token has been placed on your computer in the form of a "cookie" - If the "cookie" is missing or deleted, this registration process must be repeated.
NOTE: You may activate a "cookie" on another computer by repeating Steps 1-6 on the second computer.
CONGRATULATIONS – You have successfully activated MutiFactor Authentication on this computer.
Equal Housing Lender