What is SecureNow?
SecureNow is an online and mobile banking security feature designed to help protect your personal and financial information. It adds an extra layer of identity verification when logging in by using a multi-factor authentication (MFA).
With SecureNow, you verify your identity using a one-time verification code sent by text or voice call. This security practice—also known as multi-factor authentication or one-time passcode (OTP)—is widely used and familiar to many through other apps and websites.
What will you experience at your first login?
At the first login after SecureNow is enabled, you will be guided through a one-time setup process. you will:
- Enter your current username and security code (password)
- Choose whether to receive verification codes by text message or voice call
- Confirm your phone number (or add a new one)
- Receive and enter a 6-digit verification code
- Successfully access online banking
What can you do now to prepare?
Ensure your cell phone number is current in online banking.
To verify or update a phone number:
- Go to Settings >> Profile>> Phone Number
Will I receive a verification code every time I log in?
No.
Most members will only be asked for a verification code occasionally. On average, you will experience a 5%–9% MFA challenge rate, meaning the vast majority of logins will not require a code.
Verification codes are triggered by risk-based factors, such as:
- Signing in from a new device
- Signing in from a new location or IP address
- Unusual or high‑risk login behavior
Once a device is recognized and trusted, you typically won’t be prompted again unless something changes.
What happens if I log in from a new device?
When you log in from a new or unrecognized device, SecureNow triggers multi-factor authentication (MFA).
How will I receive the verification alert?
- Most verification codes will be delivered by text message.
- You may also choose to receive the code via automated voice call.
- You DO NOT need an app to generate a verification code.
How long is the 6-digit verification code valid?
- The code is valid for 10 minutes
- Each code may be used only once
- If entered incorrectly, you may try again without being locked out
Will existing security questions still be used?
No. SecureNow relies on one-time verification codes.
What phone numbers will verification codes come from?
- Text messages: Come from 95416
- Voice calls: Come from (678)-498-2706
If you use a spam or call-blocking filter, you may need to:
- Add the number as a contact, or
- Temporarily disable the filter
What if I have a landline phone?
You may choose to receive the verification code through an automated voice call to your landline phone.
What if I do not want to receive a text or voice call?
To use online and mobile banking, you must complete identity verification.
Text or voice call verification is required as part of SecureNow to protect your account.
What is the #1 mistake when entering the verification code?
Other common challenges include:
- Entering an expired code
- Trying to reuse a previously issued code
- Typing the code incorrectly or missing a digit
- Delays caused by poor cell service or spam filters
- They do not need an app to generate a code
What about security?
You should be reassured that these new security measures are in place to better protect your accounts.
As SecureNow learns your normal activity and behavior, login friction should decrease over time.
Common security assessment factors include:
- Device type and background (“black box”) data
- IP address and location
- Internet connection type and routing
- Browser version and technical details
Can I add a second phone number (for joint accounts)?
Yes. You can add up to five additional phone numbers. Only account owners and authorized parties should be added.
To add numbers:
- Login to Online Banking>> Go to Settings >> Security and Alerts >> Manage Verification Code Delivery
What is SecureNow?
SecureNow is an online and mobile banking security feature designed to help protect members personal and financial information. It adds an extra layer of identity verification when logging in by using a multi-factor authentication (MFA).
With SecureNow, members verify their identity using a one-time verification code sent by text or voice call. This security practice—also known as multi-factor authentication or one-time passcode (OTP)—is widely used and familiar to many members through other apps and websites.
What will members experience at their first login?
At the first login after SecureNow is enabled, members will be guided through a one-time setup process. They will:
- Enter their current username and security code (password)
- Choose whether to receive verification codes by text message or voice call
- Confirm their phone number (or add a new one)
- Receive and enter a 6-digit verification code
- Successfully access online banking
What can members do now to prepare?
Members should ensure their cell phone number is current in online banking.
To verify or update a phone number:
- Go to Settings >> Security and Alerts >> Manage Verification Code Delivery
If a phone number is updated in Portico, staff must update the phone in Virtual Branch Next (VBN)/Interact.
Will members receive a verification code every time they log in?
No.
Most members will only be asked for a verification code occasionally. On average, members experience a 5%–9% MFA challenge rate, meaning the vast majority of logins will not require a code.
Verification codes are triggered by risk-based factors, such as:
- Signing in from a new device
- Signing in from a new location or IP address
- Unusual or high‑risk login behavior
Once a device is recognized and trusted, members typically won’t be prompted again unless something changes.
What happens if a member logs in from a new device?
When a member logs in from a new or unrecognized device, SecureNow triggers multi-factor authentication (MFA).
How will members receive the verification alert?
- Most verification codes will be delivered by text message.
- Members may also choose to receive the code via automated voice call.
- Member DO NOT need an app to generate a verification code.
How long is the 6-digit verification code valid?
- The code is valid for 10 minutes
- Each code may be used only once
- If entered incorrectly, members may try again without being locked out
Will existing security questions still be used?
No. SecureNow relies on one-time verification codes.
What phone numbers will verification codes come from?
- Text messages: Come from 95416
- Voice calls: Come from (678)-498-2706
If a member uses a spam or call-blocking filter, they may need to:
- Add the number as a contact, or
- Temporarily disable the filter
What if a member has a landline phone?
Members may choose to receive their verification code through an automated voice call to their landline phone.
What if a member does not want to receive a text or voice call?
To use online and mobile banking, members must complete identity verification.
Text or voice call verification is required as part of SecureNow to protect their account.
What is the #1 mistake for members when entering the verification code?
Using the text code vs. the MFA (multi-factor) code found within the body of the text.
Other common challenges include:
- Entering an expired code
- Trying to reuse a previously issued code
- Typing the code incorrectly or missing a digit
- Delays caused by poor cell service or spam filters
- They do not need an app to generate a code
What should we tell members about security?
Members should be reassured that these new security measures are in place to better protect their accounts.
As SecureNow learns a member’s normal activity and behavior, login friction should decrease over time.
Common security assessment factors include:
- Device type and background (“black box”) data
- IP address and location
- Internet connection type and routing
- Browser version and technical details
Can members add a second phone number (for joint accounts)?
Yes. Members can add up to five additional phone numbers. Only account owners and authorized parties should be added.
To add numbers:
- Login to Online Banking>> Go to Settings >> Security and Alerts >> Manage Verification Code Delivery
Will members be notified about SecureNow?
Yes. Communication was sent to members via:
- Website pop-up (members must close before entering the site)
- Ads within online and mobile banking
- Email notifications to members
- A red banner displayed at the top of the website
How will staff manage SecureNow from the back end?
SecureNow will be managed through:
- Virtual Branch / InteractWEB
- The SecureNow Administrative Tool
What happens when a member changes their security code (password)?
After SecureNow is implemented, all security code (password) changes will trigger a one-time passcode (OTP) sent by:
- Email, and
- Text message or voice call
This ensures continued protection during account changes
If I make updates in SecureNow, will those updates flow to VNB?
No. Updates made in SecureNow do not automatically transfer to VBN. Any changes must be updated in VBN to ensure information remains accurate across systems.