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Online & Mobile Banking Security Online & Mobile Banking Security

Online & Mobile Banking Security

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Woodforest Online & Mobile Banking(1) offers you additional security options and tools to better protect your online sessions. Helping to safeguard your Online & Mobile Banking(1) 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 uses a one-time code, your fingerprint, or facial features as proof of your identity. Set up multi-factor authentication through SMS Text Authentication, an Authenticator App, or Biometrics today.

Learn more about how to keep your online sessions secure at the Woodforest Security Center.

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

Mobile phone

SMS Text Authentication allows you to set up your mobile phone number to receive one-time codes when logging into Online & Mobile Banking(1) or performing certain transactions.

Setup: Online & Mobile Banking(1)
Use: Online & Mobile Banking(1)

How to Set Up Through Online Banking

  1. Log in 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.
Eye View the demo instructions for enabling Text Message Authentication on Desktop.

How to Set Up Through Mobile Banking(1)

  1. Log in to Mobile Banking(1).
  2. Select Main Menu, then Password & Security, and
    then SMS Text Authentication.
  3. Follow the instructions on the page to complete the process.
Eye View the demo instructions for enabling and disabling SMS Text Authentication through Mobile Banking.

Authenticator Apps

Shield

An authenticator app is a security application for your mobile device that continually generates a unique, random code. Instead of receiving codes, you will need to navigate to the authenticator app to see the current code to provide.

Setup: Online Banking
Use: Online & Mobile Banking(1)

How to Set Up Through Online Banking

  1. Log in 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.
Eye View the demo instructions for set up of a Mobile Authenticator on Desktop

Biometric Authentication

Fingerprint

Use your fingerprint or facial features to more quickly access your accounts in the Woodforest Mobile Banking App(1).

Setup: Mobile Banking(1)
Use: Mobile Banking(1)

How to Set Up Through Mobile Banking(1)

  1. Log in to Mobile Banking.
  2. You will either be prompted to enable Biometrics on log in or will need to navigate to the Biometrics feature. To navigate to the feature, select the Main Menu, then Password & Security, and then Biometrics. Biometric options for iPhone® may include Touch ID® or Face ID® and for Android™ they may include Fingerprint.
  3. Follow the instructions on the page to complete the process.
  4. Once enabled, log in with just a fingerprint(2) or look(3).
Eye View the demo instructions for enabling Biometrics

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.

To create a Limited Access Password for each financial application you wish to tie to your Woodforest Online Banking account:

1

Log in to Online Banking
Log in to Woodforest
Online Banking.

2

Security
Go to the Security tab.

3

Manage
Select "Manage Limited
Access Passwords".

4

Name Password
Enter a name for the new
password being generated.

5

Generate
Select "Generate Password".

6

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 Financial Tools page.

Multi-Factor Authentication FAQs

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.

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.

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

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.

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

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

A ‘biometrics login’ provides the ability to log into an app with a fingerprint or through facial recognition. It is an alternative way to gain access to Woodforest accounts that also adds an extra layer of security.

Biometrics login is only available on devices that have biometrics capabilities. iOS devices support Touch ID or Face ID login, and Android devices support fingerprint login.

Using a biometrics login is an alternative way to gain access to Woodforest accounts. Using biometrics to log in also provides a safer way to ensure only the account owner can access his or her Woodforest accounts. Because of the increased security, all of the features within the Woodforest Mobile Banking App are available for use.

Using biometrics to log in is a safer way to ensure only the account owner can access his or her Woodforest accounts. 

Using biometrics to log in is not required to access Woodforest accounts. Customers can always use their username and password login credentials to gain access.

Woodforest does not collect or store fingerprint or facial data. That information is exclusively stored on the user’s device and controlled by the user’s settings. The device authenticates the fingerprint or face when using biometrics to log into the Woodforest Mobile Banking App.

Biometrics login is only available on devices that have biometrics capabilities. iOS devices support Touch ID or Face ID login, and Android devices support fingerprint login.

Users can opt to log in with their username and password login credentials.

Only fingerprint access is supported on Android devices at this time.

Upon login, users with a device where a user’s biometrics profile has already been set up will see a prompt asking if they would like to set up biometrics to access their Woodforest accounts. Even though set-up can be a fast process, we understand that users might not want to set up biometrics login at this time. An option appears on the Account screen that will allow users to launch the set-up process at any time. Also, from within the Woodforest Mobile Banking App’s Main menu, select ‘Security’ for access privileges. The Biometrics section provides the ability to enable biometrics for login and initiate the set-up process.

Biometrics must be set up on each individual device used to access Woodforest accounts.

At this time, the usage of a biometrics login is only available for one username per device. If a user has multiple usernames, after opening the Woodforest Mobile Banking App, select to cancel the biometrics login. Enter the username and password login credentials to log in.

If a device has biometrics data for more than one person saved in the device’s user settings, accounts from within the Woodforest Mobile Banking App can be accessed by all biometrics users.

After opening the Woodforest Mobile Banking App, select to cancel the biometrics login. The other user will be able to enter his or her username and password to log in.

Log into the Woodforest Online Banking web site (online.woodforest.com) and navigate to the Security Center to view a list of all devices with biometrics logins enabled. If you do not recognize a device on the list, disable the device and change your account password.

In addition to contacting the device’s wireless service provider, log into the Woodforest Online Banking web site (online.woodforest.com) and navigate to the Security Center to disable all applicable biometrics login entries. Alternatively, call Customer Care at 1-877-968-7962.

For increased security, when adding a new fingerprint to a device or reinstalling the Woodforest Mobile Banking App, the user will again be prompted to set up a biometrics login for that device.

For increased security, when adding a new fingerprint to a device or reinstalling the Woodforest Mobile Banking App, the user will again be prompted to set up biometrics login for that device.

Open the Woodforest Mobile Banking App’s Main menu, and select ‘Security’. The Biometrics section provides the ability to disable biometrics logins for the current device.

To disable biometrics login for every device, repeat this process for each device or log into the Woodforest Online Banking web site (online.woodforest.com) and navigate to the Security Center to view a list of all devices with biometrics login enabled. If you do not recognize a device on the list, disable the device and change your account password.

Woodforest does not collect or store fingerprint or facial data, so there are no further actions required upon disabling the biometrics login(s). 

Online & Mobile Banking Security Online & Mobile Banking Security

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Additional Personal Banking Benefits

Mobile Deposit

Mobile Deposit is a secure and easy way to deposit a check from virtually anywhere, anytime!

Learn More

Debit Card Management

Debit Card Management helps you control when, where, and how your Woodforest Debit Card is being used.

Learn More

Person to Person (P2P) Payments

Woodforest customers can use the Mobile Banking App(1) to send money to anyone with a U.S. bank account.

Learn More

(1) Data rates may apply. See carrier for details.

(2) Certain devices are eligible to enable fingerprint login.

(3) Only select Apple devices are eligible for Face ID including iPhone X and up.

Android, Chrome, Google Pay, Google Play, and the Google Logo are trademarks of Google LLC.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.