Starting July 17, 2025, members will need to use Multi-Factor Authentication (MFA) to access their accounts. This added layer of security helps protect your account by verifying your identity when logging in from a new location or device. Read on to learn how it works and what to expect.
What Is Multi-Factor Authentication (MFA)?
MFA is a security feature that help protect your account by requiring more than just a password. When logging in, you’ll be prompted to enter a verification code sent to your phone via text message or phone call. This added step ensures that only you can access your account – even if someone else knows your login credentials.
When Will You Be Asked to Use MFA?
You will not need to use MFA every time you log in. However, you will be asked to verify your identity in the following situations:
- If you log in from a new location or device
- If you’re using a different Wi-Fi network or changing locations (your IP address has changed)
- If you reset your security questions or make certain changes to your account
This means that for most users, MFA will be a quick and occasional step to confirm your identity when something changes in your login pattern.
How Do I Activate MFA?
Enhance your account security by activating Multi-Factor Authentication (MFA). This process involves four simple steps to ensure your account is protected with an additional layer of verification.
1. Log Into Online Banking
Go to www.newcu.org and log into online banking.
2. Select Security Questions
Because you are making changes to your account, you will be prompted to reset your security questions.
Please fill out all 5 security questions and click “Continue“.
3. Set Up Two Factor Authentication
Next, you will select the phone you’d like your code sent to. If you’re an existing member, the phone number that is attached to your account should appear. Make sure you verify the phone number before continuing.
You will then select if you would like to receive your verification code through either a phone call, or a text message.
Click “Continue”.
4. Enter Verification Code
A verification code will then be sent to your phone based on the delivery method you chose. You should see a message saying, “A new verification code has been successfully sent to (your phone number)”.
Then enter the verification code and click “Continue”.
5. You Did It!
You will then be taken to your account page in online banking. Yay!
Going forward, when you log into online banking you may have to enter a verification code (depending on the scenarios listed above).
Do I Need To Take Any Action Now?
No action is needed before July 17, 2025.
But we encourage you to:
- Ensure your contact information is up to date in your account settings
- Have your mobile device accessible when logging in after July 17, 2025.
FAQs
If you’d like to change how your verification code is delivered, you can easily adjust this within your online banking account. Log in and navigate to Settings > Security and Alerts > Identity Verification Phones. From there, click on Manage Verification Code Delivery and edit your selection to your preferred method.
If you need to change your phone number, please update your account information before switching your number.
Members can update their phone number within their online banking account by navigating to Settings > Security and Alerts > Identity Verification Phones. From there, add your new phone number and click Save to receive a verification code on your new number.
You can add up to five phone numbers, but at least one phone number must remain on your account. Additionally, members can change their default phone number.
If you have already changed your phone number and are experiencing login issues, please call us at 1(800) 924-1250 for assistance.
Multi-Factor Authentication (MFA) is a mandatory security feature for accessing online banking starting July 17, 2025. MFA provides an additional layer of protection for your account. If you prefer not to use MFA, you can still manage your accounts by calling us, using ART (Automated Response Teller), or visiting a branch in person.
No – once you enroll in MFA you do not have to continuously reset your security questions. You only had to reset your security questions during the enrollment process since you were making a major change to your account.
Need Help?
We're here to support you through this change. If you have any questions or need help, stop into your nearest branch or give us a call at 1 (800) 924-1250.
Contact Us
Want To Learn More About MFA?
Still have questions about MFA? Learn more about the importance of multi-factor authentication and how it protect you from malicious hackers by visiting the U.S. government’s Cybersecurity and Infrastructure Security Agency (CISA) article: “More Than a Password: Protect Yourself with Multi-Factor Authentication.”
