Multi-factor Authentication

The safety of your accounts is a top priority for your Americana Community Bank (ACB) bankers.  Multi-factor Authentication (MFA) provides enhanced, additional security for your digital banking experience. A standard part of ACB’s digital banking platform, it is part of our commitment to protect you against identity theft and fraud. MFA adds an extra layer of security on top of passwords to prevent unauthorized access to your accounts and information. Unfortunately, information can be compromised on the internet, but with MFA, if your password is compromised, unless the fraudsters have access to your mobile device, your information can be saved from unauthorized entry.

Using MFA with ACB Digital Banking entails receiving a text message or phone call on your registered device.  The text message or phone call provides you with a code that you use along with your standard username and password. Here’s how it works:

If you are logging in on a new device for the first time or if your “Remember Me” settings have expired, you will be prompted to enter a six-digit security code that has been sent to your device. Once verified, you can click the “Remember Me” check box to have your device temporarily bypass the code authentication by our system .

This process is normally remembered for three months by the ACB Digital Banking system so you do not have to go through an MFA session each time you log in. However, if your device’s cache, cookies, or history are deleted before the three months have passed, you will need to authenticate your device again with another MFA session. 

These six-digit MFA codes and phone calls are specific to you and you alone. DO NOT SHARE YOUR MFA CODES WITH ANYONE, EVEN ACB EMPLOYEES. ACB Bankers do not need these codes to access your account or information.

If these codes are requested by anyone, it is likely fraud. Call 1-844-401-7711 for assistance.

ACB Digital Banking also requires you to set up three security questions with answers for verification. These questions and their answers are chosen when you first enroll in ACB Digital Banking and can be edited at any time once logged in. If you would like to change your security questions, after logging in head to the Manage Profile tab in the top-left corner of digital banking. Once there, click on Change Security Questions. You will then be prompted to complete an MFA session to validate your identity. If you cannot log into digital banking because you  do not remember your security questions, please contact your ACB Banker for assistance.

Thank you for banking with Americana Community Bank.  We’re happy to provide you with our state-of-the-art digital banking, protected by multi-factor authentication. Contact us soon if you have questions or if you are interested in extending your banking relationship with us!  A1Service@AmericanaFinancial.com.