When members authenticate for MFA, they use a one-time passcode, which also gives them the opportunity to register their device. The next time they log in on a registered device, they may not be required to use a one-time passcode.

Situations where a one-time passcode WOULD be needed include the following:
  • Your configuration for MFA in Tool #569 Online/Mobile/Text Banking VMS Config requires a one-time passcode be sent for authentication each time the member logs in. 
  • Your credit union has set the number of days for this passcode to be valid, and that number of days is expired. Therefore, a new passcode sign in is now required by the system.
  • Your credit union changed your settings in the MFA configuration in Tool #569 to now require a passcode, for example, shortening the number of allowed days.
  • The member changes to use another browser on their device. For example, they authenticated with Chrome, and then login with a Firefox browser session. Registration is per browser.
  • The member authenticates via the mobile app and then uses a browser or vice versa. (These different environments can have a different number of expiration days in the MFA configuration in Tool #569, so this can also play a factor.)
  • The member gets a new device, such as a new phone or authenticates with a device they have not authenticated with already.
  • The member downloads the app on their phone and authenticates with the new app.
  • Updates to browsers, operating systems, and other network or workstation components may also have an effect.