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What is Multi-Factor Authentication?

Quorum's online banking platform uses a highly secure multi-factor authentication (MFA) process to protect your personal and financial information. We use a combination of username, password, and security codes to be sure that you are in fact, you.  

Let’s take a closer look at each step of our MFA:

  1. Username: Your username is your Login ID. For the safest and most secure online banking experience, we strongly recommend that your username is something unique (not your member/account number), yet easy to remember.
  2. Password: Your password should also be unique and memorable only to you. For added security, your online banking password must have at least eight characters, at least one lowercase letter, at least one uppercase letter, and at least one number.
  3. Security Codes: These codes, delivered via email or SMS text, are designed to help verify your identity (if for instance, you are logging in from an unfamiliar device or you’ve forgotten your password).

Always being asked for secure-code delivery?

Quorum's online banking security is industry standard and will eventually recognize a user's device and location after consecutive successful logins using the same device and IP address. Once a user's device and IP address is recognized (after logging in to online banking successfully on multiple occasions), the system will bypass future MFA verification to make the login experience more seamless for the user.

If you are still being prompted for your security code:

  • You are using a new device that the online banking system does not yet recognize.
  • You are using a different browser, or recently updated your browser to a newer version than the one with which you initially registered. 
  • You recently cleared your browser’s cookies, which unregistered your device. 
  • You have an anti-virus security package installed that automatically clears cookies. You will need to provide your security code each time you log in, or disable the cookie-clearing option in your security package. 
  • You are connected to a different wi-fi network than one(s) with which you previously logged in.

In each of the circumstances above, you will be presented with secure code delivery until the network is recognized. 

Not being asked for a security code and want to receive one every time you log in?

Online and mobile banking users also have the option to enable mandatory two-factor authentication for each login, which requires the user to always validate their identity through one of the two-factor authentication methods (email or SMS text), regardless if the system recognizes the user’s device and IP address. To require two-factor authentication for each login:

  1. Log in to online banking.
  2. Select your profile icon located at the top right corner of the page.
  3. Select Settings.
  4. Select the Security tab.
  5. Locate the Two-Factor Authentication section and toggle “Require Two-Factor Authentication for Each Login” to ON.