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For more information, please download our Frequently Asked Questions file

MCT Credit Union is committed to proactively protecting our Home Banking members against "Phishing" and other fraudulent activities. We will begin implementing a new security system called Multi-Factor Authentication (MFA) on November 9.

Why is my online banking experience changing?

We take our obligation to protect our members seriously. To make your online banking experience as secure as possible, we are introducing a new security feature called Multi-Factor Authentication (MFA). After you enroll in this new security system, most of the time, your logon will be the same as it was before. The only difference is that now you will have an extra layer of security working behind-the-scenes to protect your account 24/7, even when you are not online.

What is Multi-Factor Authentication (MFA)?

MFA stands for Multi-Factor Authentication. It is a new security system that adds an extra layer of protection to your online Home Banking account by letting you know you’re at our legitimate Home Banking site, and letting us know it’s you accessing your account.

Letting you know you’re at our legitimate Home Banking site

Multi-Factor Authentication will help you distinguish our Home Banking site from a look-a-like. Upon registering for this new security feature, you will receive a personal image and phrase, which will become a shared secret between you and us. When you see the image and phrase displayed on the screen, you can be confi dent that you are at our Home Banking site and that it is safe to enter your password. It is important to make sure that you NEVER enter your password without seeing your personal image and phrase.

Letting us know it’s you accessing your account

If the security system does not recognize the computer being used when you log on to our Home Banking site, it will ask you to verify your identity by prompting you to either answer a security question or enter a one-time password that is sent to your personal e-mail address.

When you log on to our Home Banking site from a different computer, you are asked to answer a security question or enter a one-time password to protect your account. You can choose to register your computer so that the system will remember it in the future, in which case it will not ask you to answer a security question or enter a one-time password the next time you log on from that computer.

Why do I need this new security system?

The increase in threats to the security of personal financial information and funds is causing concern among members, credit unions and regulators. To address these concerns and adhere to the Federal Financial Institutions Examination Council’s suggestion, we are adding an extra layer of security to our Home Banking site. This new level of security helps you guard against fraudulent online activities like “Phishing” (malicious requests for your personal information) and identity theft.