Home > News > Credit Union News > Enhanced-Multifactor-Authentication

Online Banking Log-in Process Change

Thursday, March 14, 2013

Most government suggested guidance seems to complicate our lives. But South Carolina Federal Credit Union is pleased to announce a regulation-based change that may actually simplify members’ lives and enhance their Online Banking security!


Please mark your calendar for March 20, 2013. We want you to be prepared for a much simpler authentication method, including:


  • The end of pesky “challenge questions”
  • The addition of text-or-automated voice delivery of a passcode to your phone

The security of accounts is a top priority for South Carolina Federal, and we look forward to implementing passcode-enabled log-ins. By using “something they know” (a username and password) and “something they have” (a phone) members can satisfy the Federal Financial Institutions Examination Council (FFIEC) requirements for enhanced, multi-factor authentication. Yes, that’s quite a mouth-full, but it appropriately describes the process!


Just a few simple steps will ensure that members’ online banking log-in remains simple and convenient, while increasing the security of account information. Here’s a step-by-step guide to the new process so you’ll know what to expect when you log in after March 20, 2013:


  • From scfederal.org, use your current username and password to log into Online Banking. Have a phone handy, as you will need it in the next step.
  • Upon logging in, you’ll be presented with a page that states our security settings have changed.
  • Next, you will select a phone number and method (SMS text message or voicemail) to receive your passcode. You may enroll up to two phone numbers.
  • If you select text message, you will immediately be sent a message, so be sure your phone is text enabled. If you select a voice call, you will receive an automated phone call with the passcode (note: extensions and international numbers are not applicable).
  • After entering the passcode in a pop-up window, you’ll be prompted to select if this is a private computer or select if this is a public computer. If you select “private computer”, a special Browser Cookie will be maintained on your computer, and you will not need an additional passcode for future log-ins on that computer. The cookie will act in the place of a one-time passcode being sent to your phone. If you select “public computer”, you will be asked to enter a unique passcode each time you log-in to your account. You may choose this option if you select private computer if you do not want the cookie enabled. NOTE: If you selected “private computer” and the computer is set to clear cookies, you will be asked to enter a unique passcode each time. Our Online Banking Help section of the website can assist you in enabling cookies.

Please note, phone number and message preference options may be changed in “My Profile” in Online Banking at a later date. These changes will take effect in the coming weeks on mobile apps. The process will be similar, and very self-explanatory.


In addition to the authentication process changing, there will be some minor changes within online banking:


  • The appearance of the log in screen will be slightly modified. For example, “User Options” will change to “My Profile,” and will be relocated to the upper right hand of the screen.
  • The main navigation menu has also changed, but the functionality remains the same. For example, to make a transfer, simply select “Move Money.”
  • The timeout feature will be permanently set at 10 minutes, with a new pop-up that will alert you one minute prior to logging you off.
If you have any questions regarding this change, please visit the Online Banking Help page, contact us at 843.797.8300 (Charleston) 800.845.0432 (Nationwide), we are available 8:30 a.m. to 5:30 p.m. Monday through Friday, visit any of our convenient locations, or email contactcenter@scfederal.org.

Online Banking Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).