Kirtland FCU branches will be closed Thursday, November 25 in observance of Thanksgiving.

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Let’s Talk Two-Factor

By Aubrey Jensen – Vice President, Digital Services

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“I typed in my password, so why do I enter another code to get into my account?”

You may have thought this to yourself when faced with two-factor authentication during a login to an account. Nearly all financial institutions have some sort of two-factor authentication, but there are a variety of options to complete this second entry of a one-time passcode.

Two-factor authentication is an important tool to safeguard your account. If your password were to fall into the wrong hands, two-factor authentication makes it more difficult for anyone fraudulently trying to access your account by adding a second method of verification. The first “factor”, your password, is something you know. The second factor requires something you have (like your phone) or something you are (such as face recognition). Two-factor authentication is most frequently a password followed by a secondary one-time six-digit code that is provided to your phone—commonly sent by text, e-mail, or phone call.

Two-factor authentication makes logging into your Kirtland FCU Online Banking account even safer. And starting June 1, 2021, you have an additional option for receiving your secondary code: Google or Microsoft authenticator apps!

About authenticator apps

Google and Microsoft Authenticator apps work by providing the unique one-time passcode on your mobile device or tablet. Instead of waiting for a call, text, or e-mail, simply choose your authenticator during login to request a passcode, then tap on your app to retrieve the code to complete the login process. Two-factor authentication makes logging in safer and using an authenticator app makes the process even faster. A simple tap logs you in, but a thief would need not only your password but access to your phone at the time of login to gain access to your account.

Google and Microsoft authenticators work in the same basic way. According to PCMag, Microsoft Authenticator creates online backups of your account codes, a very helpful feature if you lose your phone. Microsoft Authenticator also supports Apple Watch, which Google Authenticator does not. However, Google Authenticator has the advantage of operating on the Android operating system, which prevents screenshots when the app is in use, a good security feature. Bottom line: both apps get the job done. It really comes down to your preference with the devices you use. A word of caution: enabling two-factor authentication with an authenticator app means that if you lose access to the device and do not have an available online backup, you could find yourself locked out of your accounts.

Interested in this option for securely logging into your Kirtland FCU Online Banking account?

  • Log into Online Banking
  • Click My Settings
  • Select Security Options
  • Choose Edit
  • Toggle the Authenticator option to ‘On’ and follow directions for setup.

give to st. jude

Kirtland FCU is proud to partner with 92.3 KRST this December to benefit St. Jude Children’s Hospital’s support, treatment, research of childhood cancer.

Food Drive | December 1-23
Donate non-perishable food items at any branch! Donations benefit the food pantry of the Kirtland AFB Airmen and Family Readiness Center.