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Multifactor Authentication FAQ's

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What is Multifactor Authentication (MFA)?

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.

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How does MFA work?

MFA verifies identity in two ways. Every time you log in to Online Banking, Security State Bank identifies you, and MFA allows you to identify that you are on Security State Bank's website using your unique Authentication Image and Pass Phrase. Follow these steps:

  • Enter your Access ID and click the Log In button.
  • Before we display your chosen Authentication Image and Pass Phrase, we verify that you're logging in from a computer you have asked us to recognize. If we recognize the computer you are using, your Authentication Image and Pass Phrase will be presented to you on the next page. Once you confirm your Authentication Image and Pass Phrase, you'll know you can safely enter your Password.
  • If we do not recognize the computer you are using, we will ask you to select and complete a Security Challenge before we display your Authentication Image and Pass Phrase.
  • If you do not recognize your Authentication Image and Pass Phrase, do not enter your Password.
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Why do we need MFA?

With MFA, we're adding another layer of security to protect your account information. MFA also helps guard against ever-increasing email scams called phishing and pharming. In a phishing scam, people pretend to be a trustworthy person or business by using an "official" looking email. Then they ask you to provide or confirm certain financial information or passwords. Pharming is where a "hacker" tries to direct you to a fraudulent website and make it look like an official one.

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How do I enroll into MFA?

You will be automatically prompted to the Set Security Data screen when you log in to Online Banking. Click here to visit our enrollment instructions.

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Where do I enter my Password?

As part of the security enhancements for our Personal Online Banking clients, you will notice some changes to your Log In process. You will first enter your Access ID and then enter your Password on another screen.

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Has my Password changed?

No. You can still use your current Password to log in to Online Banking.

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What if I forget my Password?

At the Log In screen, please enter your Access ID and click LOG IN. If we recognize your computer you will see your Authentication Image and Pass Phrase along with the box to enter your Password. Under the Submit button is the FORGOT PASSWORD? link. If we do not recognize the computer, you will need to complete the Security Challenge. Once you complete the Security Challenge, you will see your Authentication Image and Pass Phrase along with the box to enter your Password. Under the Submit button is the FORGOT PASSWORD? link. Once you click the FORGOT PASSWORD? link enter your Access ID. A Temporary Password will be sent to the email account that is on file to verify the identity of the account holder. Retrieve this from your email. Go back to the Log In screen, enter your Access ID and when prompted enter the Temporary Password. Please note: Once you use that Temporary Password you will be required to change your Password for security purposes.

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Why am I being asked questions when I log in to Online Banking?

hese questions are part of the MFA process. Once you are logged in, you will be prompted to select your personalized Challenge Questions and answers. We recommend using simple, one word answers that are easy to remember.

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What is the difference between my Password and a Passcode?

A Passcode is a code that is emailed to you. If you try to log in from a computer we do not recognize, you will be presented with a Security Challenge, one of which is "Email One-time Passcode". This One-time Passcode is sent to your email account to verify your identity. Once you correctly enter the Passcode, you will then be able to enter your Password on the next screen.

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Should I use the same Pass Phrase as my Password?

No. Using the same Password as your chosen Pass Phrase compromises the security of the Password, thus diminishing the second layer of protection associated with MFA.

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My password is stolen; will MFA prevent access to my account?

If an unauthorized person(s) tries to log in to your account from another computer, they will be presented with one of your Security Challenges. Without access to this additional personal information, they will not be able to log in to your account.

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What should I do if my Authentication Image and/or Pass Phrase are incorrect?

Do not enter your Password. Please immediately call us at 218.927.3765.

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Can I change my MFA Authentication Image, Pass Phrase, and Challenge Questions?

Yes, after logging in, click the OPTIONS tab, then click the EDIT button on the area you wish to change.

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How do I change my Authentication Image and Pass Phrase?

We have many images from which to choose. 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.
  • As you browse, you can compare images by selecting "Remember image".
  • To select an image from the library click on the image itself.
  • Enter a Pass Phrase for the image.
  • Click SUBMIT.
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Can I upload my own image?

No. For security reasons, you cannot upload your own Authentication Image. However, we offer over 10,000 images from which you may choose.

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How do I know that I'm at a legitimate Security State Bank Online Banking site?

Your Authentication Image and Pass Phrase will appear confirming that you're at the legitimate Security State Bank web site.

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How do you know that I'm logging in from my own computer?

When you set your security data, MFA uses a cookie to identify your computer. Each time you log in, our software identifies your computer, your IP address, and other unique identifiers. The cookie is secure and does not contain any personal information.

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Can I access Online Banking from multiple computers?

Yes. You can access Online Banking from any number of computers. If you log in from a computer that you haven't used for Online Banking before, you will just need to complete the Security Challenge to verify that it's you. You can register as many PCs as you like.

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I share my computer with someone who also uses Online Banking. Can both of us still log in from this computer?

Yes. There's no limit to how many people can log in to Online Banking from the same computer. Remember to not share your User ID, Password, or the answers to your Security Challenge questions.

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I am getting the "404 Page Not Found" error when I try an access my account.

The most common reason for this error is that you may be using an old link, bookmarked link, or old URL. Please visit and bookmark our home page www.ssbmn.com, to resolve this issue.

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Learn ways to protect your personal information by visiting our Fraud Prevention page. If you have additional questions, please contact us at 218.927.3765 or email .