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Set up multi-factor authentication to increase your account security

Protecting the security of your accounts is important. You can rest assured that RCU’s digital banking is safe and secure. For an additional layer of security, you can also choose to enable the following settings in digital banking.

  • Two-factor authentication (2FA) at every login: Verify your identity via call, text, or email after entering your password every time you sign in to digital banking.
    • Important: If you use Quickbooks or Quicken to get transactions from digital banking, turn this setting off.
  • Push authentication: Verify your identity by responding to a push notification that is sent to your mobile device.
    • Important: This setting will only be presented if you have logged into your account and registered a mobile device.
  • Authenticator: Verify your identity by entering a unique code generated by the Authenticator app.

This article covers the following topics:

Mobile

If you're using a mobile device, follow the steps below. For computers, go to the desktop steps

To access all of the multi-factor security options, select the Menu at bottom right.

Accessing multi-factor security in mobile, step 1

Select Settings and tap Security.

Accessing multi-factor security in mobile, step 2

Tap Authentication.

Accessing multi-factor security in mobile, step 3

At the top of the screen, you’ll see your Security Strength.

  • Basic is the strong security that already exists in digital banking
  • Intermediate indicates that you have chosen an additional authentication method.
  • Advanced indicates you have selected more than one additional authentication method.

Accessing multi-factor security in mobile, step 4

Two-factor authentication (2FA) at every login

Scroll down to Two-factor authentication (2FA) at every login and tap the toggle button to turn it ON (green)

Note: If you use Quickbooks or Quicken to get transactions from digital banking, turn this setting off. Tap the toggle button again to turn it OFF (gray).

Setting up two-factor authentication in mobile, step 1

The toggle button will turn green and you will see a confirmation message letting you know the authentication is active. Your Security Strength meter will increase.

Setting up two-factor authentication in mobile, step 2

Push authentication

Scroll down to Push Notification and tap the toggle button to turn it ON (green).

Note: This setting will only be presented if you have logged into your account and registered a mobile device. Tap the toggle button again to turn it OFF (gray).

Setting up push authentication in mobile, step 1

Select the Delivery Method and the email or phone number you want to use for the code. Then tap Request Code.

Note: If you select Text Message, you will be prompted to opt in to SMS notifications.

Setting up push authentication in mobile, step 2

Enter the verification code you received via phone or email and tap Next.

Setting up push authentication in mobile, step 3

The toggle button will turn green and you will see a confirmation message letting you know the authentication is active. Your Security Strength meter will increase.

Setting up push authentication in mobile, step 4

Authenticator

Important: If you choose this authentication method, you will first need to download the Google Authenticator or the Microsoft Authenticator app (if you haven’t already).

Tap the Activate Authenticator button.

Setting up Authenticator in mobile, step 1

Select the Delivery Method and the email or phone number you want to use to get the code. Then tap Request Code.

Note: If you select Text Message, you will be prompted to opt in to SMS notifications.

Setting up Authenticator in mobile, step 2

Enter the verification code you received via phone or email. Then tap Next.

Setting up Authenticator in mobile, step 3

Open the Authenticator app and tap Enter manually. (Scan QR-code option does not work for mobile login.)

Setting up Authenticator in mobile, step 4

Enter the 6-digit numeric code you got from the Authenticator app and tap Submit.

Setting up Authenticator in mobile, step 5

You will see a confirmation message letting you know the authentication is active. Your Security Strength meter will increase.

Setting up Authenticator in mobile, step 6

Desktop

If you're using a computer, follow the steps below. For mobile devices, go to the mobile steps

At top right, click the Profile (person) icon.

Accessing multi-factor security in desktop, step 1

Select Security.

Accessing multi-factor security in desktop, step 2

Click Authentication.

Accessing multi-factor security in desktop, step 3

At the top of the screen, you’ll see your Security Strength.

  • Basic is the strong security that already exists in digital banking
  • Intermediate indicates that you have chosen an additional authentication method.
  • Advanced indicates you have selected more than one additional authentication method.

Accessing multi-factor security in desktop, step 4

Two-factor authentication (2FA) at every login

Scroll down to Two-factor authentication (2FA) at every login and click the toggle button to turn it ON (green).

Note: If you use Quickbooks or Quicken to get transactions from digital banking, turn this setting off. Tap the toggle button again to turn it OFF (gray).

Setting up two-factor authentication in desktop, step 1

You will see a confirmation message letting you know the authentication is active. Your Security Strength meter will increase.

Setting up two-factor authentication in desktop, step 2

Push authentication

Scroll down to Push authentication and click the toggle button to turn it ON (green).

Note: This setting will only be presented if you have logged into your account and registered a mobile device. Tap the toggle button again to turn it OFF (gray).

Setting up push authentication in desktop, step 1

You will see a confirmation banner letting you know the authentication is active, and your Security Strength meter will increase.

Setting up push authentication in desktop, step 2

Authenticator

Important: If you choose this authentication method, you will first need to download the Google Authenticator or the Microsoft Authenticator app (if you haven’t already).

Scroll down to Authenticator and click Activate Authenticator.

Setting up Authenticator in desktop, step 1

Select the Delivery Method and the email or phone number you want to use to get the code. Then click Request Code.

Note: If you select Text Message, you will be prompted to opt into SMS notifications.

Setting up Authenticator in desktop, step 2

Enter the Verification Code you received via phone or email and click Next.

Setting up Authenticator in desktop, step 3

On your phone, open the Authenticator app, and select whether you want to Scan QR-Code or Enter manually.

Setting up Authenticator in desktop, step 4

Enter the 6-digit numeric code you got from the Authenticator app.

Setting up Authenticator in desktop, step 5

You will see a confirmation message letting you know the authentication is active, and your Security Strength meter will increase.

Setting up Authenticator in desktop, step 6