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Sometimes we may ask you to take some steps or answer some questions that may seem silly, or out-of-place. But we follow the guidelines of experts across the world in developing the steps to make sure that it’s only you, and not a shady stranger, accessing your personal information and accounts.
Changing your digital password and debit card PIN frequently is recommended by security experts. You can change both of those, and your username and security questions, in digital banking. Here’s how to change any of them, and more:
Note that you can also change login methods for mobile digital banking when you access your profile from your mobile device.
Out of Band Authentication (OOBA) is a security measure that uses two channels of communication to help ensure that the owner of the information is initiating the transaction. Using OOBA can prevent malicious users, who may only have access to one of the methods, from manipulating or stealing your financial information.
You will experience OOBA when first signing in to ACB Digital Banking. All users will be asked to navigate OOBA occasionally after first logging in, but you will be asked to utilize the two-channel communication OOBA each time you log in unless you mark the Remember Device button when on the OOBA screen. (Remember Device is device-specific, so if you access your ACB Digital Banking on more than one computer, smartphone, or tablet, you’ll need to click Remember Device on each of your devices.)
You’ll also experience OOBA when you change your debit card PIN or use the Temporary Spending Limit Increase in digital banking. Again, the extra steps are quick and there to protect you.
Here’s what you’ll see when OOBA kicks in:
After you’ve authenticated, you can continue with your banking session.
If your mobile device is configured for Face ID, Touch ID, or Fingerprint Security*, your ACB Digital Banking can be, too. Here’s where to set them up:
*You will not see these choices if your device does not support them.