Two-factor authentication

Two-factor authentication is here! We’ve enhanced your account security by adding another layer of protection. Beginning October 19th, when you log in to Online Banking or the TCAFCU Mobile App, you will be required to enter a second form of verification – a code that will be generated automatically through the process. This will provide additional protection to help keep your personal information even more secure.

How does two-factor authentication work?

When logging into online banking or when using the TCAFCU Mobile app, you will receive a message on your phone with a 6-digit code. You will be asked to enter this code to complete the login process.

The 6-digit code will be different each time you receive one.

  • The code will expire after 5 minutes. If entered incorrectly you can try again. If the code expires, a new code is required.
  • You will not be asked to enter a 6-digit code at each login, just occasionally for certain financial transactions, when changing personal information, or when logging in from any new device.
  • You can add or update phone numbers for verification code delivery.
    • Online Banking:  go to Settings> Security and Alerts> Manage Verification Code Delivery> Phone Number.
    • Mobile App:   go to More> Settings > Manage Two-Factor Authentication

What will my first login involve?

  1. To confirm your account, enter your username and password and answer your existing security questions.
  2. You will then be asked to select and provide answers to 5 new security questions.
  3. Select or provide a phone number to receive the 6-digit codes.
  4. Enter the 6-digit code to view your account.
  5. This process will only happen the first time you log in.

Can the 6-digit code be sent to an email address? No. A telephone number is required to be used.

Why was this additional security step taken? As security threats become more common, the measures we need to take to protect your personal information have become more sophisticated.


Contact us at 610.326.3705 or