Why Does The Bank Require a Secure Access Code?
Federal regulations require ALL banks to establish a “second factor” in verifying the security of the login process of online banking. Your password is the first factor, and this method of verifying a Secure Access Code, delivered via e-mail or phone call, combined with the installation of a security certificate or “cookie” on your computer constitutes the second factor. This allows us to verify that your computer is authorized by you to conduct transactions.
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