Enhanced Multifactor Authentication

Your online security is important to us. Crest Savings provides you with a multifactor authentication service, which is free, easy and most important, adds extra protection from fraud and identity theft, called Enhanced Multifactor Login.

What is Multifactor Authentication?

Authentication is the process used to allow access to only the correct customer. We authenticate customers by issuing challenges that only the true customer should be able to pass. Multifactor Authentication means two or more different types of authentication must be passed. By using two different types of authentication, there is a higher assurance that the customer is the correct intended user!

Why the change to Enhanced Multifactor Login?

Personal information is readily available today with the popularity of social networking sites, which renders challenge questions less secure. With Enhanced Multifactor Login, you can set your mobile phone to receive a verification code by text or receive a voice message on your phone. You can have two different phones set up to receive your One-Time Passcode (OTP). Your phone is something you have in your possession and your password is something you know.

For your convenience, after you successfully authenticate with your password and One-Time Passcode (OTP), you may enroll your computer. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession.

How will my online banking experience change?

Once you enroll your computer, your online banking experience will remain exactly the same. However if you delete your cookies, you will have to receive an OTP and re-enroll.

Can I access my accounts from other computers at my home, my office or on the road?

Yes, you can access your accounts from any computer. However, when you authenticate from a system that does not have the special Browser Cookie, you will need to authenticate using the Phone OTP instead. You may enroll multiple computers, but be mindful not to enroll a computer that you don’t often use, or that is shared with people you do not know.

What if I forget my password or become locked out of my account?

Use your previously enrolled phone to unlock your account and receive a new temporality password.