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Introducing two-step verification.

Northern Birch Credit Union is taking steps to make your online banking experience even more secure and give you another layer of protection when you bank online.

After two-step verification (2SV) is set up on your account, if we detect unusual activity during login, you will be sent a one-time verification code to either the email address or mobile phone you registered during your 2SV set-up. This will replace the previous security questions used during banking login.


Enrolling for
Two-step verification


Log in to Online Banking or the Mobile App as you would usually do using your member/debit card number and online banking password.

2 Step Verification


After logging in you will be prompted to enable two-step verification and asked to decide between setting it up on your mobile phone or email. Follow the instructions to complete enrollment. You will be sent a verification code on your email or mobile phone by text, depending on your selection.

Note: This may take up to 15 minutes and is valid for only 20 minutes. If you selected email, be sure to check your junk/spam folder.

2 Step Verification

Enter code

You will be prompted to enter the verification code that was sent to you via text or email. Once your verification code has been accepted you may click “Continue” and access your accounts through online banking or the mobile app as usual.

Note: If you have not received the verification code, you can choose “Change the number” to verify your information or “We can send a new verification code” to try again.

2 Step Verification

Frequently Asked Questions

Increased Authentication is a security feature that strengthens online and mobile banking security by using two-step verification during high-risk activities. When suspicious interaction is determined, using a new device or location to log in,  the member will be prompted to enter a one-time password sent through SMS (text) or email.

With cyber-attacks increasing in frequency and sophistication, Northern Birch Credit Union is enhancing account security by including a requirement for additional information during the log in process. This is another control to further protect our members’ privacy and security.

A two-step verification process is increasingly becoming a common security feature across all industries, including financial institutions.

No. Two-step verification is a required security feature for all members.

Members log in to online banking as they always have. The risk engine works invisibly in the background so that only suspicious activity is challenged by entering a one-time password to let the system know the login has been authenticated and can proceed normally.

A mobile phone (not landline) and/or email is required to set-up two-step verification.

Once set-up, you can update your two-step verification information in the “Profile and Preferences” section in online banking, or “Settings” on Mobile App.

Only 1 e-mail and 1 mobile phone number can be set up.

Currently two-step verification will only be used when the system detects unusual activity (like logging in from a different computer/device than usual, different location, etc.).

You will not have to enter a code each time you want to do your banking online. Two-step verification replaces the pre-existing security challenge questions.

The code is valid for 20 minutes from the time it is generated. It is important to note that if you are receiving the code by email, you have to keep your online banking tab open while you retrieve it. You can access your email by opening a new tab in your browser or logging in on another device.

After you set-up two-step verification if you are asked to input a code in the future, you will be locked out of banking if you input an incorrect verification code 3 times. If this happens, please contact us for assistance.

If you did not receive a code after 10 minutes, select "Didn’t receive a code?". We can send you a new one.

If you still don’t receive one, consider the following:

  • Confirm that your device is connected to Wi-Fi or a cellular network
  • Make sure Do Not Disturb and/or Airplane mode are not enabled
  • Check that the number registered for 2SV was not a landline or an incorrect number
  • Make sure your cell phone plan includes text messages
  • Contact your carrier to ask about outages or blocked messages on your device
  • If you registered with an email address, check your junk/spam folders

No, not at this time. Any login assessed as high risk will require the 2SV process.


Have a Question?

If you have any questions that we haven’t answered here please call our Member Service Representatives to assist you.

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