Fraud Alert: Please be aware that fraudulent text messages requesting personal information have been reported and received by both members and non-members in our service areas. Educators Credit Union will never ask for your personal information through an email, text message or an outgoing call to you. DO NOT click on any text message links or provide any personal or financial information.


The Importance of Two-Factor Authentication

Two-factor authentication adds a second level of authentication to an account log-in. When you have to enter only your username and one password, that’s considered a single-factor authentication. Two-factor authentication requires the user to have two out of three types of credentials before being able to access an account.

The three types are:

  • Something you know, such as a personal identification number (PIN), password or a pattern
  • Something you have, such as an ATM card, phone, or fob
  • Something you are, such as a biometric like a fingerprint or voice print


When you have two-factor authentication activated, you need two pieces of information to get into your account:

  • Something you know — like a password, PIN or pattern
  • Something you have — like a smartphone, ATM card or FOB
  • Something you are, such as a biometric like a fingerprint or voice print

Why is two-factor authentication so effective? It’s pretty easy for bad guys to guess weak passwords — especially with all the personal information available today via social media. But hackers will have a heck of a time obtaining that something you have — such as the hardware or software security token or mobile phone you’ve authorized for verification texts. You need to have that mobile phone or token in hand to get the information you need to access your account.

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