Secure Tokens

Secure token login with out-of-band authentication provides increased security protection to Business Online Banking users during the login process by providing time-synchronous, one-time passcode authentication.

Each authorized user is issued a device, called a digital token, which contains a six-digit number that uses a proven algorithm to generate a unique code every 30 seconds. To log in, a user enters the six-digit number that appears on the token along with a user-created eight-digit PIN, both of which confirm the user’s identity.

In addition to tokens, Business Online Banking verifies many factors to the user’s typical login behavior and if necessary, an automated phone call will be generated to the number on file for that user. All businesses that utilize the ACH and Wire module within Business Online Banking are required to use secure token login to protect their systems from fraudulent access to their account information.