At KCCU, your account security is our top priority, and we are committed to protecting your financial well-being. To further safeguard your ItsMe247 online banking experience, KCCU will be introducing Multi-factor Authentication (MFA) in June 2025.

Multi-factor Authentication - Frequently Asked Questions

What is Multi-factor Authentication (MFA)?

Multi-factor Authentication, also known as 2-factor authentication, is an added layer of protection that goes beyond just passwords and security questions. When you log in, a verification code is sent to your device via email or text, providing an additional step to confirm your identity and helping to prevent unauthorized access to your accounts.

Why is MFA important?

Information on the internet can be vulnerable to compromise, but MFA provides an additional way to authenticate yourself when accessing your online accounts. Even if your password or security questions are compromised, your information remains protected—unless fraudsters also have access to your device to receive the one-time passcode.

How do I prepare for MFA?

To ensure you can seamlessly complete the MFA process, it’s essential that KCCU has your most up-to-date cell phone number and email address on file. These will be used to send your verification code to during the login process. You can easily review and update your personal information at any time within online banking.

How does it work?

When you log in to online banking from a new device for the first time, you’ll enter your username, password, and answer the security questions as you normally do. Next, you’ll be prompted to choose how you’d like to receive your one-time verification code, either via text message or email.

Once you receive and enter the verification code, you'll have access to your accounts.

You'll also have the option to select "Register this Phone or Browser." If you choose this option, your device will be remembered for a limited time, so you won't need to go through the MFA process again until that period expires on that device.

Please note: If you are logging in to online banking using a public device, such as computer at the library, you should not register that browser or device.

Will MFA be required when using the mobile app?

Yes, MFA will be required any time you are accessing online banking whether you’re using KCCU’s website, mobile website, or mobile app.

When will an MFA code be required?

MFA will be required when you log in from a new device for the first time. If you register your device, you will not have to go through the MFA process for a short period of time. However, there are other situations that might cause you to verify your identity with MFA even if you have already registered your device:

• If you use multiple browsers on your device. For example, if you authenticated with Chrome, and then login from Firefox you’ll have to re-authenticate. Registration is per browser.
• Updates to browsers, operating systems, and other network or workstation components.
• If you authenticate via the mobile app and then use a browser or vice versa, you may have to re-authenticate. Keep in mind that these different environments may have a different expiration date based on when you registered your device.
• If you get a new device or when you log in from a device, you have not previously authenticated from before.
• When you download a new version of the KCCU app you’ll have to authenticates with the new app.

Can I register my device for multiple accounts? 

You cannot register a device for multiple accounts. However, you can still access your accounts by completing the MFA process each time you log in. 

If I currently have multiple linked accounts, will I need to complete MFA each time I switch between them?  

You will not need to complete the MFA process once you are logged in to your account. You’ll be able to switch between linked accounts as you do today.

If I am joint on an account, can I still access online banking with MFA?   

Yes, as long as your cell number is on the account, you can choose to have the verification code sent to your cell number. However, we do not recommend that you register your device if the primary owner will also be accessing the same account. 

If you have questions or need assistance we are here to help! Just give us a call at 800.854.5421, email us, or if you are near a branch stop in for friendly personal assistance. 

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