Enjoy enhanced security of mobile and online banking with two-factor authentication

The security of your account is always our top priority at Waypoint Bank. That’s why we will be implementing a two-factor authentication feature for account access, ensuring your banking experience remains safe and secure. 

Starting February 4th, when you log into mobile or online banking you will be asked to set up a verification phone number. You will get to decide if you want to verify via text or phone call. You will then receive a text message or phone call containing a one-time code. You will enter that code during login to complete your verification. 

This additional layer of protection confirms not only your credentials but also the device you are using. If the system detects a new device or suspicious activity, you may be asked to verify your identity with a one-time passcode sent to your mobile device. No more memorizing codes, or answering security questions when you need to login.

Am I required to set this up?

Yes, your enrollment in this new security process is required.

Is this replacing security challenge questions?

Yes, this process will replace security challenge questions.

Why the change?

Cybercriminals are constantly developing new methods to steal your personal information and are getting more sophisticated every day. We are staying one step ahead of those threats.

How will this feature work?

Once set up, this feature will only be activated if it detects you are logging in on a new device. When this happens, you will get a one-time passcode sent to your mobile device. You will enter that code in your mobile or online banking login page to complete the login process.

Will this affect both mobile and online banking?

Yes, this security process will be used for both online and mobile banking. If you get a new phone and need to set up mobile banking for example, you will receive a code to confirm that you are the one setting up mobile banking on your new device. 

Is there a cost?

No, this added protection is free. It is part of our ongoing commitment to keep your accounts safe and secure. 

Still need help or have questions? Call your local branch for more information.