Multi-Factor Authentication, or MFA, is the use of more that one method to verify that any access attempt to your online accounts is a valid attempt, and not a potential attacker. MFA uses not only something you know, but also something you have and/or something you are to verify your identity.
2. Why is Integra Bank implementing an MFA solution for BankAnytime?
In order to better serve our clients, Integra Bank often evaluates new technologies that we believe make banking with us safer, more convenient and more efficient. We believe that BankAnytime Enhanced Security will provide our clients with additional protection against numerous forms of fraud on the Internet. We believe you will enjoy the peace of mind that additional account protection will give you.
3. What does BankAnytime Enhanced Security do?
BankAnytime Enhanced Security provides additional account protection against various forms of online fraud. Your online account will have the same functionality as always, but with the added protection of BankAnytime Enhanced Security. While your day to day banking will remain largely unchanged, the ability of a hacker to gain unauthorized access to your account will be reduced. You can use your account as you normally would from your home or office. However, in some cases you may see a difference in how your account behaves - particularly when you are attempting to log in from a computer that you did not previously register. BankAnytime Enhanced Security protects your account by recognizing a computer or a group of computers that you use regularly to access your Integra Bank online account. Access is restricted to only those computers. If you, or someone else, tries to access your account from an unrecognized computer, you will be asked to verify your identity based on the verification method you choose.
4. What are the verification methods?
Currently, we have three different verification methods: a temporary password sent to your e-mail address, a temporary password sent to your cell phone, or we will ask you a personal secret question. During the registration process, we will ask you to choose the method you prefer. If your cell phone accepts text messages, we recommend you select a temporary password sent to your cell phone. Please be advised that your cell phone provider may charge you for the text message. Contact your cell phone provider if you are unclear of any possible charges resulting from this service. This method is the safest way to protect your account as it is almost impossible for others to obtain your password and have access to your cell phone at the same time. However, you may find greater convenience with a temporary password e-mailed to you when you are outside your coverage area. To prevent others from obtaining the temporary password, we strongly recommend your e-mail account have a different password from your online banking account. If you would like to verify your identity by answering a personal secret question, the answer should be difficult for strangers to guess. All three verification methods are secure as long as you follow the guidelines. Therefore, pick the method that is best suited for you.
5. Will I still be able to use BankAnytime online banking from any computer?
Yes, you will still be able to access your accounts from any machine that has internet access, however there will be an added verification process when accessing from additional machines that will require you to register that machine with your security profile. You should only register the computer if it is the primary or secondary computer you use, such as your laptop or your desktop at home or at the office. When you are using a computer at a public place, such as the airport or in a cafe, you must select the option that you are using the computer once at the computer registration step. This prevents others from accessing your account again using the same computer. BankAnytime Enhanced Security also allows you to register a computer for a certain number of days. After that period, the computer will be deleted from our system and you will be asked to verify your identity if you log in again from the computer.
6. Will I be able to make changes to my security information after I have enrolled in MFA?
Yes, To allow more flexibility when using your online banking account, you may change your verification method, notification email, secret image and secret word at any time after you log in to your account. BankAnytime Enhanced Security will lead you through steps similar to those during the initial provisioning process. You will simply go to the Account Tools page and click on the Update Security Settings link.
7. What happens if I fail to verify my identity?
If you fail to verify your identity after 3 consecutive times, your account will be blocked and you will not be able to access your account from any computer. If you know you cannot verify your identity (i.e. you have forgotten the answer to the secret question or do not have access to your e-mail or cell phone), please call 1-800-467-1928.
8. What should I do if I lose my computer?
In the unfortunate case of losing your computer, such as your laptop, you should notify us immediately by calling 1-800-467-1928 and we can remove the computer from our system. To double the protection of your account, you may also log into your account from another computer and manually block the lost computer.
9. How do I sign up for BankAnytime Enhanced Security?
All existing BankAnytime profiles will be automatically added to the Enhanced Security system for your convenience. Newly enrolled profiles will be added to the Enhanced Security system upon their initial login. When you have been added to the new system, you will be asked to complete the provisioning process within a 14-day grace period. After the grace period has passed, the system will require you to provision before allowing you to log in to BankAnytime.