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Online Banking is Now More Secure Then Ever

Security State Bank is proud to deliver a higher level of security for our Online Banking clients. We have enhanced our Multifactor Authentication (MFA) software by adding an additional layer of security to our log in process, better safeguarding the privacy and security of your financial information.

How does MFA work?


Multifactor Authentication is a layer of security added on to the log in process to help ensure that your information is safeguarded. It helps you know that you are at Security State Bank's legitimate Online Banking site and helps us identify it is really you logging in to your accounts. MFA is very easy to use and there is no software to install. Just follow the instructions to enroll and learn about the enhanced log in procedures for Online Banking.

Enroll into MFA

To enroll into MFA, follow these steps:

  • Log in by entering your current Access ID. Click LOG IN.
  • Enter your current password. Click SUBMIT.
  • Complete the Set Security Data information.
    • Provide a current email address.
    • You will be provided with an Authentication Image. Enter a Pass Phrase for the selected Authentication Image. Your Pass Phrase can be any word or phrase, 6-30 characters, which should have some personal meaning to the Authentication Image. Your Pass Phrase must be different from your Online Banking password. This image can be changed once enrolled.
    • Provide answers for 3 Challenge Questions.
    • Select whether you are logging in with your personal computer, or a public computer. Only register personal computers that you frequently use and are not available for public use.
  • Click SUBMIT.

That's it. The next time you log in, MFA will recognize you and display your Authentication Image & Pass Phrase. We recommend that once you are enrolled and logged in to Online Banking, you select a more personalized Authentication Image and Pass Phrase.

Please see instructions below on how to change your Authentication Image and Pass Phrase.

Log in with MFA

Once you have enrolled into MFA, follow these steps to log in.

  • Log in using your current Access ID. Click SUBMIT.
  • If it is a registered computer, go to Step 3. If you are using a computer the system does not recognize, you must complete a Security Challenge. Please select one of the two options:
    • Select Option 1 "Email One-Time Passcode": check your email inbox and copy the one-time passcode to the input text field. Select whether you are logging in with your personal computer, or a public computer. Only register personal computers that you frequently use and are not available for public use. Click SUBMIT.
    • Select Option 2 "Answer Challenge Question": you must answer your Security Challenge question correctly in order to proceed to log in. Type your answer in the input box and select whether you are logging in with your personal computer, or a public computer. Only register personal computers that you frequently use and are not available for public use. Click SUBMIT. Note: You have a total of three (3) chances to answer your Security Challenge question correctly before you are locked out. If you are locked out, contact Security State Bank at 218-927-3765 for assistance.
  • Your Authentication Image & Pass Phrase are displayed.
  • If your Authentication Image and Pass Phrase are correct, then enter your password. If the Authentication Image and Pass Phrase do not match, do not enter your password. Contact Security State Bank at 218.927.3765 for assistance. Click SUBMIT.
    • That's it. You are now securely logged in to Online Banking.

      Change your Authentication Image & Pass Phrase

      We offer over 10,000 images for you to choose from. To select the one that's right for you, just follow these steps.

      • Log in to Online Banking.
      • Select OPTIONS from the main menu.
      • Select EDIT under Security Data.
      • Click CHANGE IMAGE hyperlink under the Authentication Image.
      • Select an image from the library by clicking on the image itself.
      • Enter a Pass Phrase for the image.
      • Click SUBMIT.

      That's it. The next time you log in, your new Authentication Image and Pass Phrase will be displayed.

      Questions? Visit our Frequently Asked Questions page.