How do I enable two-factor authentication?

Setting Up Two-Factor Authentication (2FA)

Protect your account with an extra layer of security. 2FA requires both your password AND a verification code to log in.

Why Enable 2FA?

• Prevents unauthorized access even if your password is compromised
• Required for high-value transactions
• Protects against phishing attacks
• Free and easy to set up

How to Enable 2FA:

1. Log in to online banking
2. Go to Settings → Security
3. Click 'Enable Two-Factor Authentication'
4. Choose your verification method:
   • Text Message (SMS): Receive codes via text
   • Authenticator App: Use Google Authenticator, Authy, or Microsoft Authenticator
   • Email: Receive codes via email
5. Verify your phone or email
6. Save your backup codes in a safe place

Using an Authenticator App (Recommended):

1. Download an authenticator app on your phone
2. Scan the QR code shown in your Acme Bank settings
3. Enter the 6-digit code to verify
4. Done! You'll now need the app when logging in

Backup Codes:

When you enable 2FA, you'll receive 10 backup codes. Save these in a secure location. Each code can be used once if you don't have access to your phone.

Trusted Devices:

You can mark devices as 'trusted' to skip 2FA for 30 days. Only do this on your personal devices.

Troubleshooting:

• Not receiving SMS codes? Check your phone has signal and SMS isn't blocked
• Lost your phone? Use a backup code or call 1-800-ACME-BANK
• New phone? Disable and re-enable 2FA with new device