Online Access Home Banking Enhancement

The following screen shots will assist you when working with our membership during the MFA Security enrollment process the first time they log in to Online Access after January 2007. Follow the instructions outlined below.

1. The member must enter their User ID (account number) in the User ID field and click on Log In. Their User ID has not changed it remains the same as before the MFA Security screens were implemented.

2. At the next screen, the member must enter their PIN/Password and click, Sign IN. Their PIN/Password has not changed.

Explanation of new security features.

3. The screen below will only be displayed at the initial log on. Once the member has chosen a text image and a short text phrase, the member will confirm the image and text on future sessions. (from the same computer)

4. Instruct the member to choose a MFA phrase between six and thirty characters. This phrase should be something familiar to the member. E.g. a phrase related to the text image selected (orange), email address, nickname, etc....

5. Once the text phrase is typed in the appropriate field, it will appear within the text image on future Online Access logins. The image is only known to the member and the credit union.

6. A member may accept the MFA image shown on the screen or select from a variety of PassMark images by clicking on the change image option beneath the PassMark image.

7. There are many MFA images available to our members and they can change their image anytime after they enroll.

8. To select an image, they must click the select image prompt beneath the image.

The image will be displayed to the member along with their MFA text phrase, each time they logon to Online Access in the future. This is the member's assurance that they are logging onto the legitimate GeoVista home banking web site, since no one else knows their image and text phrase.

9. Once they have selected the image and entered their text phrase, the screen will automatically revert back to the screen below and they should click the Next button to continue.

10. This next screen will ask the member to select three challenge questions and answers. Challenge questions are used to verify the identity of our member when the system detects a questionable log on attempt. (perhaps another computer is used to log in)

11. Challenge questions are displayed by using the drop down arrows. They may be selected by clicking on the desired question. The question will auto fill in the #1 box and the member will be prompted to complete the answer.

12. Complete the answer and continue to the second challenge question.

13. Once the member has completed all three challenge questions and answers, click on Next.

14. The member can change their challenge questions and answers after they enroll.

15. The next screen will ask the member to confirm their MFA and Challenge Question selections. They may choose a different MFA or change their challenge question before they confirm, or they can change any or all of them after they finish enrolling.

16. Click Next. They will be logged into Online Access and the Account Summary Screen will appear.

Once each of the above steps are completed, the member will successfully enroll in MFA. The next time they log into their account they will be instructed to enter their USER ID.

Normal Online Access Login after enrollment in MFA.

Each time our member logs into Online Access after the initial enrollment, the credit union will show them their PassMark image and text phrase selected; if they are correct, the member will enter their PIN to login to their account.

They will know with certainty they are visiting the legitimate GeoVista Online Access site because they will be presented with the image and phrase selected.

Continue to the following pages for more information on future logins from different computers.

Logging onto Online Access from a Different Computer

If your member logs on to Online Access from a computer that is different than the computer they used for enrollment, the system will present one of their Challenge Questions. This is used to verify their identity and to help prevent fraudulent logon attempts.

1. The initial log on screen remains the same.

2. When accessing GeoVista Online Access from a different computer than the member originally used for enrollment in MFA, the member will be prompted to answer a challenge question.

3. Once the member answers the question, he or she will have the option to register the second computer or choose not to. Either way they must make a selection to continue.

4. If they answer the question incorrectly, the member will receive another chance to answer the same challenge question. **As a note, if the member chooses to register their second computer they will not be challenged on their next log on attempt from that computer.

Once the member successfully answers their challenge question, Online Access will show them their MFA image and text phrase. This will allow them to access their account.

If the member forgets their password, they can click on the Forgot my Password link at the bottom of the sign-in screen. This feature will only work for members who have previously set up a security question and answer when logged into their account. This security question and answer is completely separated from the MFA Challenge questions and answers.

The following message will appear.

When you click "Forgot my MFA image or phase"

When you click "Incorrect Image" this will appear.

Changing Your MFA Image, Text Phrase, or Challenge Questions After Enrollment

A member may change their MFA text image, text phrase, or challenge questions after enrollment by:

1. Login to Online Access

2. From the Account Summary screen, click on Preferences

3. Click on Security Settings

4. Click on Change Your MFA or Change Your MFA Challenge Questions & Answers

• Change your MFA. When you click the link, the next screen will show you your current PassMark image. Click Change Image to select a new image. Click Save. Review your changes and click Save again.
• Change your MFA Challenge Questions & Answers. When you click the link, the next screen will display your current questions and answers. Make your changes and click Save. Reveiw your changes and click Save again.

Change Your MFA

The member can change their MFA or Image by typing over the existing information in the Phrase area or click on change image to select a new image. The member can then review their changes and click Save.

Change Your MFA Challenge Questions & Answers

The member can change their MFA Challenge Questions and Answers from the screen below by clicking on the drop down menus located next to each question and selecting a new question. Once a new question has been selected, simply type the new answer in the answer field below the question and click Save.