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Enhanced Multi-factor Authentication for Personal Online Banking

Waterford Bank, N.A.

Enhanced Multi-factor Authentication for Personal Online Banking

Enhanced Multi-factor Authentication for Personal Online Banking 2560 950 Waterford Bank NA

Cathy Martin, SVP & CIO

Fraudsters never rest! In fact, new variants of financial malware data are created every 24 hours.

At Waterford, we strive to make your banking journey a secure one – deterring criminals, without impeding your experience. To that end, we’ve enhanced the behind the scenes security for personal online banking’s login process.

Effective May 10, 2022, our security measures will use upgraded multi-factor authentication that will not only confirm your credentials but will also confirm the device you are using.

How Multi-factor Authentication Works

The first time you log in to Personal Online Banking after May 10, you’ll be prompted to enter at least one phone number. In the future, this number may be used to help authenticate your identity.

Going forward, when a new device or browser is detected or our system detects suspicious activity, you may be asked to further verify your identity by entering a one-time passcode. You can choose to receive your passcode either via text or call to the phone number you already provided.

Multi-factor authentication security challenge screen in personal online banking.

Multi-factor authentication may ask you to verify your identity by entering a one-time passcode via text message or phone call.

Based on your selection, you’ll soon receive either a text message or a phone call containing your one-time passcode. Simply enter this code to complete your secure log in.

As long as you do not change devices or reset your browser data (cookies, caches, etc.) and no suspicious activity is detected on your account, you will not be prompted for a passcode again after the first secure login.

Keeping Your Information Current

It is important that we have your correct phone number on file. If you need to update your phone number, please call your banker directly or give us a call toll-free at 866-707-2871. Our team will verify your identity and then update your contact information accordingly.

Treasury management representative shows customer how to use new computer technology.

If you need to update your contact information, please reach out to your banker directly or give us a call toll-free at 866-707-2871.

At Waterford Bank, N.A., we use leading-edge technology to ensure that all customer information is safe, but security is a team effort and you can help keep your information secure. The following resources are for your benefit to help educate yourself and inform you about the protections we have in place.


About the Author

Cathy Martin is the SVP and CIO of Waterford Bank, N.A. She enjoys providing security and fraud prevention tips to help customers better protect themselves and their finances. If you’d like to learn more about how we keep your accounts safe or have a general banking question, please contact us here.  

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