Q and A for Multi Factor Authentication (MFA) / Click-24 Enhanced Security Q:   What is Enhanced Login Security? A:   The Federal Financial Institutions Examination Council (FFIEC), the regulators overseeing banks and credit unions, determined that passwords alone will no longer be acceptable as the sole means of ensuring online security. They determined that financial institutions must assess fraud risk and achieve compliance with the terms of the FFIEC guidance by the end of 2006. Our Enhanced Login Security meets their requirements and means that even if you have your password stolen in a phishing attack or by malicious software, the fraudster cannot access your online accounts because they do not possess the additional factors needed. Q:   Do I have to enroll? A:   At this time enrollment is optional, however in the near future Enhanced Login Security will become mandatory due to the FFIEC mandate. Q:   How many computers can be enrolled? A:   There is no limit to the number of computers you may enroll. However, we do not recommend that you enroll a computer with public access. Q:   Why do I continue to need a temporary passcode to access my computer? A:   A temporary passcode is required if you have already enrolled another computer. When you log on using a temporary passcode you must enroll that computer to avoid needing a temporary passcode each time you log on. To enroll an additional computer after logging on with the temporary passcode you must go to User Options, Enhanced Login Security, and then add extra security protection to this computer. Q:   Why is my temporary passcode not working? A:   This can be due to three different situations. 1. If you have cut and pasted the temporary passcode it may create a white space which is considered part of the passcode. 2. The temporary passcode only is valid for 60 minutes. 3. Temporary passcodes are only valid for a single sign on. Q:   Why, when I have already enrolled this computer, is it now asking me for a temporary passcode? A:   This can be due to three different situations. 1. Someone may have selected to remove extra security from this computer. You may re-enroll this computer by logging on with a temporary passcode and re-enrolling the computer. 2. The Cookies may have been deleted or the cache has been cleared on this computer. 3. If you have asked PCU to reset your Click-24 online account. This will unenroll all computers set up with the Enhanced Login Security.