Country Bank Business Customer Digital Banking User Guide

5

Getting Started

Authentication

Out of being authentication, which works very similarly to Multi Factor Authentication (MFA), is an additional level of security to authenticate users when logging in on a new device. All account holders are required to complete the Out of Band Authentication steps the first time they login on a new or different device or browser. Out of Band Authentication will activate initial login and be sent if logging in from a different device browser (request to verify zip or last four of SSN, for example). Account holder, information, including phone numbers, and email addresses, is pulled from CM; the authentication communication can be received via text, call, or email. In addition, business customers will receive MFA requests when conducting high-risk transactions (HRT), such as issuing a Wire Transfer through the Cash Management module. These MFA for HRT replace a business cash management user from needing a token; tokens will be discontinued.

Getting Started: Authentication