To increase the security and delight of your online experience, we are pleased to announce important updates to both e-Bill Pay and e-Branch as of November 14, 2012. As you will see in the below screen shots and FAQs, e-Branch security will change to a new method called “Enhanced Multi-Factor Authentication” (EMFA), e-Branch navigation screen buttons will change, and e-Bill Pay will have a new look while keeping your payees and scheduled payments intact.
- e-Branch Security Changes with EMFA: Screen Shots, FAQs
- e-Branch Naviation Changes: Screen Shots, FAQs
EMFA is the process that allows access to only the correct e-Branch user and means two or more different types, or factors of authentication, must be passed. Multi-Factor Authentication (MFA) is commonly used to protect transactions at ATMs, where your card is something you have, and your PIN code is something you know. Similarly with EMFA, your phone is something you have, and your password is something you know.
After you successfully authenticate with your e-Branch password and one-time Verfication Code, you may enroll your computer for use in EMFA authentication. During the online enrollment process, you will choose to have the Code sent to either your personal mobile phone, home phone, or email. Once your computer is enrolled, a browser cookie will be placed in it. Each time you or your computer deletes the EMFA cookie, you will need to re-authenticate and get another Verification Code. It is recommended that you set your browser to not automatically delete cookies each time you close your Internet browser.
View the below screen shots and FAQs for details on the new look.