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Enhanced Login Security

Frequently Asked Questions:

 

What is Enhanced Security?

  • To protect your online information and accounts, Secure Access Codes are required to log into Online Banking and Mobile Banking from "unregistered" computers and devices.  This is in addition to your regular login password.  Secure Access Codes can only be sent to your phone numbers already on file. Secure Access codes change each time they are generated. When you use a Secure Access Code, you will see an option to register your computer, which will allow you to bypass additional Secure Access Codes for 365 days on your registered computer. After 365 days you will be prompted to renew your registration with another Secure Access Code.

  • At login you will choose a delivery phone number to receive your Secure Access Code as a text message or voice phone call
     

How to update your phone numbers for Secure Access Code delivery:

1. Log into Online or Mobile Banking
2. Under the Settings menu select Security Preferences
3. Select the Secure Delivery tab
4. Edit your secure delivery contact information here

 

What if I don't have access to any of the phone numbers listed to receive a Secure Access Code?

  • If you do not have access to your phone numbers we have on file to be able to receive a Secure Access Code, you will not be able to continue until you gain access from a registered computer or until you call the Credit Union for assistance. Once you are able to log in, you can change the phone numbers used for delivery of Secure Access Codes.

 

Enhanced Security Registration Annual Renewal!

Enhanced Login Security registration on PCs and mobile devices expire after 365 days, at which time you will be prompted to renew your registration by receiving a secure access code. To ensure uninterrupted access to your accounts, please make sure your phone numbers and email addresses listed for Secure Access Code delivery are current. Follow the instructions below to update your contact info.


Why do I have to enter a Secure Access Code every time I log in?

  • Each time you successfully use a Secure Access Code you will be presented with an option to save Register your PC or mobile device. If you choose to register you will not need to use another Secure Access Code to log in.  However if you continue to be prompted for Secure Access Codes at login, your computer may have a setting that is deleting the registration (browser cookie), or you may be using private browsing.  Make sure your browser or security software is not set to delete our website's cookies and make sure you are not using private browsing if you wish to not receive secure access codes each time you log in. If you are experiencing this problem with our mobile app, please uninstall and reinstall the app to resolve the issue.  Please contact us if you require additional assistance.


Why am I unexpectedly prompted for a Secure Access Code on a registered computer?

  • If you are unexpectedly prompted for a Secure Access Code when you log into a computer that is already registered, there are a couple of possible reasons for this. Enhanced Security registration expires after 365 days, at which time you will be prompted to renew your registration with another secure access code.  It is also possible your registration (browser cookie) has been deleted.  Make sure your browser or security software is not set to delete our website's cookies.  Please contact us for assistance.


Why is Enhanced Security required?

  • Enhanced Security is required on all accounts for security and privacy purposes. Enhanced Security complies with the Federal Financial Institutions Examination Council (FFIEC) guidelines for Internet Banking Authentication.



Step by Step Login Guide:


1. Account Login:

  • Browse to www.centralwcu.org or open our Mobile Banking app

  • Enter your Login ID and password

  • Click Secure Login


2. Choose Secure Access Code Delivery:

  • Select your preferred Secure Access Code delivery method: phone call or text message.

  • If you do not have access to any of the phone numbers listed on this page, you will not be able to continue until you call the Credit Union for assistance. After you log in you will be able to add and remove phone numbers used with Secure Access Codes.
     

3. Enter Delivered Secure Access Code:

  • You should now see a page that says "Enter your Secure Access Code", do not close or exit this page! However, if you unintentionally close this page before you enter the secure access code, just restart the login process (step 1 above) and then choose "I have a Secure Access Code" option on the second screen.  

  • Your secure code will arrive within 3 to 30 seconds depending on traffic levels and your provider's network.

  • If you do not receive your code within the time frames listed above, return to the prior page and repeat the process; try another delivery method if available.

  • Enter the Secure Access Code you received.. If you have generated multiple secure codes within a single login session, only the most recent (last) code generated can be used,

  • Click Submit


4. Device Registration:

  • Optionally you may choose Register Device if you are using a private computer where you will regularly access online banking. By choosing Register Device you will not be prompted for a Secure Access Code the next time you log in. If you do not register your computer you will be prompted for a Secure Access Code every time you log in.


5. Enhanced Security Login is complete!