Online Banking Security

Woodforest® Online Banking offers you additional security options and tools to better protect your online sessions. Helping to safeguard your Online Banking and personal data continues to be our top priority.

Multi-Factor Authentication

Make it harder for thieves to access your account with multi-factor authentication, an extra level of security that sends a one-time code to your mobile device as proof of your identity. Set up multi-factor authentication through SMS Text Authentication or an Authenticator App today.

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To sync your account to a third-party app while multi-factor authentication is enabled, you may need to use a Limited Access Password

SMS Text Authentication*

SMS text messages in a mobile phone

SMS Text Authentication allows you to set up your mobile phone number to receive one-time codes when logging into Online Banking or performing certain transactions.

Setting up SMS Text Authentication

  1. Login to Online Banking.
  2. Click on the Security tab and select Manage Text Message Authentication.
  3. Follow the instructions on the page to complete the process.

What is SMS Text Authentication?

SMS Text Authentication allows you to set up your mobile phone number to receive one-time codes when logging into Online Banking or performing certain transactions (also known as security challenges or multi-factor authentication). SMS Text Authentication replaces security questions and answers. SMS Text authentication is a more secure alternative to security questions or activity codes delivered to your email.

How does SMS Text Authentication work?

Once your phone number is verified, you will receive a one-time code via text message whenever you log into Online Banking. Enter the code in the security challenge field to access your account.

Am I required to use SMS Text Authentication?

SMS Text Authentication is optional but strongly recommended as a more secure alternative to security questions.

How do I remove SMS Text Authentication?

At any time, Login to Online Banking > Security > Manage Text Message Authentication and disable the mobile phone number displayed under Enabled for Text Message Authentication. Your number will be saved if you choose to enable this feature again.

How can I opt-out of SMS Test Authentication if I'm not logged into Online Banking?

To opt-out at any time, text STOP to MYWNB (69962) from your mobile device.

Can I use SMS Text Authentication if I use a third-party financial app?

Some financial apps may not be compatible with Woodforest Online Banking while a multi-factor authenticator is enabled. You can disable SMS Text Authentication at any time, however we recommend using a Limited Access Password for third-party apps to ensure compatibility without compromising the security of your Woodforest accounts.

What if I enable SMS Text Authentication and I already have Online Banking synced to a third-party app?

Check your third-party app to see if your account is still synced properly. You may need to disable SMS Text Authentication or relink Online Banking to the third-party app with a Limited Access Password.

Authenticator Apps

Using an authenticator app in the mobile phone to loging with a laptop

An authenticator app is a security application for your mobile device that generates a unique, random code when logging into Online Banking.

Setting up Your Authenticator App

  1. Login to Online Banking.
  2. Click on the Security tab and select Manage Mobile Authenticator.
  3. Follow the instructions on the page to complete the process.

You may remove the authenticator app at any time.

What is an Authenticator App?

An authenticator app is a security application you can download and install onto your smart phone or tablet. An authenticator app offers additional security and may be used as an alternative option to traditional security questions when logging into Online Banking or performing certain transactions (also known as security challenges or multi-factor authentication). Once enabled, the authenticator app will replace your security questions.

How does an authenticator app work when logging into Online Banking?

To use an authenticator app when logging into Online Banking:

  1. Download the authenticator app onto your mobile device.
  2. Once enabled, the authenticator app will generate a unique, random code. Open the authenticator app to retrieve the code.
  3. Enter that code when prompted for the security challenge while logging into Online Banking.
  4. You will no longer need to answer a security question.

Which authenticator apps are compatible with my Online Banking account?

Microsoft Authenticator and Google Authenticator have been tested and verified to work with Online Banking, however any authenticator app that meets the TOTP security standard should be compatible.

How often will I be prompted to enter my authenticator code when logging into Online Banking?

When using an authenticator app, you will be prompted to enter your authenticator code each time you log into Online Banking.

How do I enable an authenticator app for Online Banking?

Login to Online Banking > Security > Manage Mobile Authenticator, and follow the steps below.

  1. Install the authenticator app by following the instructions displayed for your mobile device.
  2. Add your unique authenticator key by either opening the authenticator app and scanning the displayed barcode, or entering the manual key displayed.
  3. Verify your current code displayed on the authenticator app on your mobile device by entering it into the Online Banking Current Authenticator Code field.

Can I use an authenticator app on multiple devices?

Yes, you can install an authenticator app on multiple devices. Once you have downloaded an authenticator app to another device, login to Online Banking > Security > Manage Mobile Authenticator to retrieve the barcode or manual key to install it.

What if I have multiple online banking profiles? Can I use the same authenticator app?

Yes, but you must sign in with each Online Banking user profile to enable authenticator for that user profile. When you open your authenticator application, you will see all profiles you have installed. Use the code displayed for the online profile under which you are currently signed in for your Security Challenge.

How do I retrieve the authenticator code upon security challenge?

Open the authenticator application on your mobile device to access your authenticator code. Enter the code currently displayed into the Authenticator Code field on the Security Challenge page. Note that authenticator codes are time-based and will refresh typically after a 30-second timeframe.

How do I remove an authenticator app?

Login to Online Banking > Security > Manage Mobile Authenticator and follow the instructions to remove an authenticator. Be sure to remove the authenticator app from Online Banking before you delete it from your phone.

What if my mobile device is lost or stolen?

Contact us toll-free at 1-877-968-7962 to remove the authenticator app and restore your security questions as your security challenge when logging into Online Banking.

What if I don't have my mobile device with me and I need to log into Online Banking?

Contact us toll-free at 1-877-968-7962 to remove the authenticator app and restore your security questions as your security challenge when logging into Online Banking. You may re-enable the authenticator at any time.

Can I use an authenticator app if I use a third-party financial app?

Some financial apps may not be compatible with Woodforest Online Banking while a multi-factor authenticator is enabled. You can disable an authenticator app at any time, however we recommend setting up a Limited Access Password for third-party apps to ensure compatibility without compromising the security of your Woodforest accounts.

What if I enable an authenticator app and I already have my account synced with a third-party app?

Check your third-party app to see if your account is still synced properly. You may need to disable the authenticator app or relink Online Banking to the third-party app with a Limited Access Password.

What if I am enabled to use SMS Text Authentication for Online Banking as well as an authenticator app?

If you have both SMS Text Authentication and an authenticator app enabled, Online Banking will only accept the authenticator app code when you are prompted with a security challenge. If you wish to use SMS Text Authentication, you can disable the authenticator app at any time.


Learn more about multi-factor authentication and other ways to keep your online sessions secure at the Woodforest Security Center.

*Data rates may apply. See your carrier for details.

Limited Access Passwords

Limited Access Passwords minimize the risk of connecting your account to third-party apps by giving them view-only access. This protects your account from any unwanted transactions or personal information breaches if the third-party apps are ever compromised.

Benefits of Limited Access Passwords

Gives you control.

  • Change your main password and multi-factor authentication settings without affecting access to third-party apps.
  • Give each third-party app a unique password that you can manage from your Online Banking portal.

Limited Access for third-party apps.

  • View-only access to balance and transaction information.
  • Cannot change your account settings.
  • Cannot initiate transactions on your behalf.
  • Cannot access your main password.

1

Step 1, login to online banking

Login to Online Banking

Login to Online Banking.

2

Step 2, go to the security tab

Security

Go to the Security tab.

3

Step 3, select manage limited access password

Manage

Select Manage Limited Access Password.

4

Step 4, enter a name for the new password being generated

Name Password

Enter a name for the new password being generated.

5

Step 5, select generate password

Generate

Select Generate Password.

6

Step 6, your limited access password will display

Displays

Your Limited Access Password will display.

After generating the Limited Access Password, please refer to the documentation or help source for each application on where to enter the password, as the process is different for each.

To learn more about third-party financial apps visit our Money Management Resource Center.

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