Security feature: Online & mobile Banking

Security and protection are vital features when it comes to banking.

We use a multifactor authentication Secure Login that integrate stronger cybersecurity protections to detect fraud, while ensuring you have a positive online banking experience.

Every time you login to Online Banking, the multifactor authentication Secure Login will not only confirm your credentials but also the device you are using.  You will be asked to further verify your identity via a one-time passcode sent to your phone. Your enrollment in this new Secure Login is required. 

Simple Set Up:

When you log into your Online Banking account through our website or Mobile Banking app for the first time on or after the March 28, 2023, you will be asked to set up your phone number and choose your preferred delivery method – text message or phone call.

You will then receive a text message or phone call containing a passcode.  Enter this passcode during log in to complete your phone number verification.  Once entered, you will be logged into Online Banking.

How this feature will work in the future:

The Secure Login will replace the Security Challenge Questions and will only be activated if it detects a login attempt that falls outside of how you normally login. (You will not have to enter in the code every time you login.)

If the Secure Login detects a login attempt outside of how you normally login, you will be prompted to enter a passcode during log in.  The passcode will be sent to the phone number you entered for your preferred delivery method.  Simply enter the passcode to complete your log in. 

We continue to look for ways to improve the security of our online services.  Questions? Please call our Customer Care Team at 877-889-6847 or stop into any of our local branches.

Secure Login Q&A

How does the Secure Login work?

This additional layer of protection confirms not only your credentials, but also the device you are using during log in.  If the system detects a new device or suspicious activity, you may be asked to verify your identity with a one-time passcode sent to your phone. 

How do I set this up?

Set up is simple.  When you log into your Online Banking account through our website or Mobile Banking app for the first time on or after March 28, 2023, you will be asked to set up your verification phone number and choose your preferred delivery method – text message or phone call.

You will then receive a text message or phone call containing a passcode.  Enter this passcode during log in to complete your phone number verification.  Once entered, you will be logged into Online Banking

Am I required to set this up?

Yes, your enrollment in Secure Login is required.

Is this replacing the current Security Challenge Questions?

Yes, Secure Login will replace the current Security Challenge Questions.

Why the change?

Cybercriminals are constantly developing new methods to steal your personal data and are getting more sophisticated with each passing day. As such, we’ve chosen to adapt and evolve to stay one step ahead of those threats.

How will this feature work in the future?

After you have completed the initial setup, you will be prompted to enter a passcode during log in only if our system detects a new device or suspicious activity.  The passcode will be sent to the phone number you set up for your preferred delivery method.  Simply enter the passcode to complete  your log in.    If you are not able to successfully login after four attempts of entering the passcode, you will need to call our Customer Care Team at 877-889-6847 or your local Unity Bank.

Will this affect the Mobile Banking App?

Yes, the same new security set up and process will apply to logging in via our Mobile Banking App.

Will I still be able to use Face ID or Touch ID to login?

Yes, if you have enabled that security feature on your device and the Mobile Banking app, you will still be able to use that in addition to the new Secure Login passcode.

What if I enter the wrong passcode?

If you are not able to successfully login after four attempts of entering the passcode, for your security, you will need to call our Customer Care Team at 877-889-6847 or your local Unity Bank.

Can I register or change my verification phone number from the mobile banking app?

No. You must log into Online Banking via our website to update your verification phone number.  Or call our Customer Care Team at 877-889-6847 and we will be happy to assist you.  

Is there a cost?

There is no cost to you for this additional protection. It is part of our ongoing commitment to keeping our account holders and their accounts safe and secure.