Review Account Security - Help Protect Your Account | RBFCU - Credit Union

Review Account Security - Help Protect Your Account | RBFCU - Credit Union
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FAQs
RBFCU Mobile
®
app
Download our app for a better mobile banking experience.
Get
Review Account Security
Use our security tools in Online Banking to help protect your account
At RBFCU, we go beyond the standard security measures.
Sign in to your Online Banking account
or the
RBFCU Mobile
®
app
and select the “Resource Center” in the top right corner with the
?
icon, then “Review Account Security.”
We’ll tell you what security measures you already have in place on your account, and which ones you can enable to make your account even more secure. See if you can get to 100%!
Learn more about our Online Banking security features
Set Up Multifactor Authentication (MFA)
Use an
MFA code from an authenticator app
in addition to your password every time you sign in to your account to greatly strengthen your account’s security.
Set Account & Loan Alerts
Monitor your RBFCU accounts and transactions with
customized email and text Alerts
. You’ll get notifications about transfers, loan payments, deposits, balance thresholds and more.
Set Card Alerts & Controls
Protect your credit or debit card by setting Spend Controls to limit or decline transactions, and Spend Alerts to let you know when certain transactions are made.
Review Trusted Devices
View the devices that have access to your Online Banking account
, when they last signed in, and deactivate any that you no longer use or don’t recognize.
Review Account Security FAQs
What should I do if I see suspicious activity in my Online Banking account?
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If you see suspicious activity in your account that you didn’t authorize — such as notification that your password was changed or your contact information was updated — your Online Banking account may have been compromised.
You should immediately contact RBFCU at
210-945-3300
for assistance.
If you’re still able to access your Online Banking account, report the unauthorized access to RBFCU and take the following steps:
Sign in
and check your account for any changes or transactions that you did not authorize
— for example, changes to your email address or other contact information, or fraudulent transfers
To check your contact information:
Select the profile icon, then Profile Settings, then Contact Settings. Be sure to update any incorrect or outdated information
Next, remove any devices with access to your account
that you don’t recognize
To deactivate a device:
Select the profile icon, then “Profile Settings,” then “Security Center,” then “My Devices.” Select “Deactivate” under the device you want to remove
Next, change your username and password.
Get tips on creating a strong password here
To change your username and password:
Select the profile icon, then Profile Settings, then Security Center
Enable multifactor authentication (MFA) for your account.
Get directions for setting up MFA here
If you’re unable to access your Online Banking account, try the
self-service options to reset your username and/or password
. If you’re still unable to regain access to your account, contact RBFCU at
210-945-3300
or
visit your nearest branch
for assistance.
Additionally, you should monitor your accounts regularly and
report any suspicious transactions
.
How do I enable a lock screen on my device?
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-
To enable a lock screen on your device,
Open Settings on your device, and set a passcode, finger-swipe pattern, face or fingerprint that will be used to access your device when it’s locked.
Restart your device.
When your device restarts, you’ll be prompted to put in your new authentication to unlock it.
If you need further assistance enabling a lock screen on your device,
click here for Apple
®
instructions
and
click here for Android™ instructions.
Where to set up a lock screen on an Apple device:
Where to set up a lock screen on an Android device:
What is multifactor authentication?
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Multifactor authentication, or MFA, means providing two or more pieces of information in order to sign in to an account. You may also see this called two-factor authentication, or 2FA, when only two pieces of information are required. In most cases, this means you’ll need a one-time passcode (OTP) when you sign in, as well as the account password you’ve chosen. The code is sent to you via text message, email or phone call, or provided to you by another app, and typically expires after 30 seconds.
Combining a strong password with an OTP means it’s far more difficult for a fraudster to gain unauthorized access to your account with just your password, making MFA a highly recommended form of account security available for consumers.
Learn more about how MFA works and why you should use it from the Cybersecurity & Infrastructure Security Agency (CISA)
.
How does RBFCU's MFA work?
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To use MFA, you’ll need to download an authenticator app to your device. After you set up the authenticator app and enable MFA in your Online Banking account, RBFCU will use MFA to verify high-risk sign-in attempts. For example, if you get a new phone, RBFCU will prompt you to provide your MFA code the first time you try to sign in to your Online Banking account, just to make sure it’s really you. Asking for MFA in these situations lets RBFCU verify your identity, and gives us another line of defense in protecting your account from fraudsters.
You’ll also have the option to use MFA every time you sign in to your Online Banking account, which greatly strengthens your account’s security.
If you’re currently receiving an OTP code or answering a security question every time you sign in to your Online Banking account, enabling MFA will replace these sign-in options.
What authenticator apps will work with my Online Banking account?
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RBFCU supports Microsoft
®
Authenticator and Google Authenticator™; choose the app you prefer.
iPhone Users:
Download Microsoft Authenticator
|
Download Google Authenticator
Android Users:
Download Microsoft Authenticator
|
Download Google Authenticator
If you’re already using one of these apps for another account, you’ll be able to add your RBFCU account to the existing app.
How do I set up MFA with an authenticator app for my Online Banking account?
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-
To enable MFA for your account,
sign in to your Online Banking account and visit the Multifactor Authentication page
, or sign in to the
RBFCU Mobile app
.
After you sign in, select the profile icon
Select “Profile Settings”
Select “Security Center”
Select “Multifactor Authentication (MFA)”
Under the “Authenticator App” section, select “Set Up Multifactor Authentication”
You will be prompted for an OTP via text message or phone call to verify your identity. Select an option, then enter the code
If you haven’t downloaded an authenticator app, you’ll be prompted to choose between Microsoft Authenticator and Google Authenticator. If you’ve already downloaded an authenticator app, select “Next” to skip this step
On your device, add a new account in your authenticator app
Then, scan the provided QR code or copy the 32-digit written code from your Online Banking account to verify your account in the authenticator app
Enter the 6-digit code generated by the authenticator app in Online Banking, select “Enroll” to complete the setup and finally select “Submit”
You’re done! You’ll receive a text message and/or email Alert to confirm your enrollment. On the success screen, you’ll be given a 16-digit recovery code. Save this code in a secure location so you’ll still be able to sign in to your Online Banking account in the event you lose access to the authenticator app — for example, if your device is lost, damaged or stolen
After enabling MFA, you can choose to be prompted for a 6-digit MFA code every time you sign in to your Online Banking account. This is optional — but highly recommended — since MFA greatly strengthens your account’s security. To manage this option,
visit the MFA page in your Online Banking account
.
Remember: RBFCU
and RBFCU employees
will never initiate a phone call, email or text message asking you to provide your authenticator code or recovery code. Do not provide these codes to anyone.
What is a trusted device?
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A trusted device is an electronic device you frequently use (e.g., your mobile phone, tablet or home computer). It is a device we know is yours and that we used to verify your identity using
Multifactor Authentication
(MFA).
Visit the My Devices page in your Online Banking account
to view your trusted devices and their recent sign-in history.
To view your trusted devices in the RBFCU Mobile app:
Sign in to the app.
Select the profile icon in the upper-right corner.
Select “Profile Settings.”
Select “Security Center.”
Select “My Devices” to see a list of devices with access to your account.
Why was I prompted to set up a trusted device?
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As part of an ongoing effort to protect your personal and account information, we allow you to designate a trusted device you frequently use to access your account. Designating a trusted device provides an additional layer of security for your information.
I already have the RBFCU Mobile app. Why wasn't my device recognized when I tried to sign in to my Online Banking account?
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If you haven’t signed in to your Online Banking account through the RBFCU Mobile app in some time, or you’ve recently uninstalled and reinstalled the app, your device may not be recognized. Simply respond ALLOW to the sign-in Alert and your device will be recognized the next time you sign in to your account.
I already have the RBFCU Mobile app, but my device wasn't recognized and I didn't receive an Alert when trying to sign in. What should I do?
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If you’re trying to access your Online Banking account from the RBFCU Mobile app and you didn’t receive an Alert to approve the sign-in attempt, please review the following settings:
Update the RBFCU Mobile app to the latest version:
Visit
rbfcu.org/update
from your device to go to your app store. If you see an “Update” button, tap it to install the latest version of the app.
Turn on push notifications for the RBFCU Mobile app on your device:
For Apple users:
From the Home screen, open the Settings app on your device.
Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
Tap “Notifications.”
Toggle “Allow Notifications” to on and set your preferences.
For Android users:
From the Home screen, swipe up to access “All Apps.”
Find and open the Settings app.
Tap “Apps.”
Choose the RBFCU Mobile app (listed as “RBFCU”) from the list.
Tap “Notifications.”
Toggle “Show Notifications” to on and set your preferences.
Opt-in to text messages:
You may have opted out of text messages from RBFCU at some point. To opt in to RBFCU text messages, text START to 968772 and 839872. You’ll receive a confirmation letting you know you’ve successfully subscribed to RBFCU text messages.
If you need further assistance, please
contact the Member Service Center
.
I want to get rid of my device. How do I remove a device from my Online Banking account that should no longer be trusted?
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-
Visit the My Devices page in your Online Banking account
to remove a trusted device.
To remove a trusted device in the RBFCU Mobile app:
Sign in to the app.
Select the profile icon in the upper-right corner.
Select “Profile Settings.”
Select “Security Center.”
Select “My Devices.”
Select “Deactivate” under the device you want to remove, and follow the prompts.
You may also deactivate a device from the device’s History page.
If you need additional assistance, contact the Member Service Center at
210-945-3300
.
Security & Fraud Center
Protect Yourself from Fraud
Multifactor Authentication
How to Report Fraud
RBFCU does not charge a fee for the RBFCU Mobile
®
app, but you may be charged for data by your mobile wireless provider.
Enrolling in Alerts is free, but you may be charged for text messages by your mobile wireless provider. Alerts are a supplemental service and are not a replacement for responsible account review and management. You are responsible for any fees or charges incurred on your account whether you receive your Alerts or not.
RBFCU and RBFCU employees will never initiate a phone call, email or
text message to anyone — members or non-members — asking for your sign-in
information, including usernames, passwords, security questions and answers,
multifactor authentication (MFA) codes, MFA recovery codes and one-time passcodes
(OTP), or other personal information, like account, credit card, debit card or Social
Security numbers. Also, RBFCU employees will never need to sign in to your Online
Banking account on your behalf. If someone contacts you claiming to be an RBFCU
employee and asks you to approve a sign-in request for them, do not respond.
If you receive a suspicious phone call, email or text message, hang up, do not respond to the message, do not click any links, and do not open any attachments. Forward any suspicious emails and text message screenshots to
abuse@rbfcu.org
,
then delete the message. If you believe your account, username or password has been compromised, you should immediately contact RBFCU at
210-945-3300
for assistance. Additionally, members should monitor their
accounts regularly and report any suspicious transactions.