In today's world of increasing digital crime and internet fraud, most people are familiar with the importance of online security, logins, usernames and passwords. But, most are probably not familiar with the term “two-factor authentication” even though they may use it every single day.

The traditional username and password combination has proven to be too easy for cyber criminals. It has become increasingly easy for them to gain access to a user's private data and use that information to commit fraud.

Two-factor authentication is an extra layer of security that requires not only a password and username but also something that only that user has immediate access to - such as a mobile device or email address. Using a username and password together with a piece of information that only the user knows makes it harder for potential intruders to gain access and steal that person's personal data or identity.

What does this mean for FSB I-banking?

The new FSB I-banking system utilizes two-factor authentication. When logging into I-banking users will be prompted to select a contact method to receive a 5-digit secure access code that can be sent via email or text.This code will need to be entered into I-banking to sign in.This process will need to be repeated every time a user logs in unless they register their device.

Registering your Devices

If you have never used a particular browser (Internet Explorer, Chrome, Firefox,) or device (laptop, mobile phone, tablet) to log in, you will need to enter a secure access code to log into I-banking. If the browser or device is one that you plan to use again, you can register it.

During the login process you will be prompted to register your device.

• Select "Register This Device" to turn off the secure access code requirement.
• We recommend registering a device if it is private, such as your mobile phone or personal computer. Do not register a public computer.
• Registration is needed per device and Internet browser