Using 2-Step Verification to Secure Your Online Bank Account

2-Step Verification (2SV) is required for all members using Kindred’s online banking as of September 12, 2023.

How does 2-Step Verification work?

In addition to entering your password when logging in, a one-time use verification code will be sent to you via text message, voice call, or email. The code must be submitted to access your account online.

Why is Kindred requiring 2-Step Verification?

Kindred is requiring that all members to use 2-Step Verification as an added layer of security. 2-Step Verification is safer than remembering the answers to challenge questions. Cyber threats such as malware and phishing attacks are becoming increasingly sophisticated. A stronger, more secure authentication process involving a verification code will provide an additional layer of security.

Can I opt out of 2-Step Verification?

No. 2-Step Verification provides an extra layer of security to protect your accounts in case your password is ever compromised. All members with online banking are required to enroll in 2-Step Verification.

When will I need to use 2-Step Verification?

A risk engine will determine when it’s appropriate to prompt you for a 2SV code. The risk engine takes multiple factors into consideration, including user behavior (e.g. time, location, etc.) and device (e.g. browser, internet connection, device type, etc.). You may be prompted with 2-Step Verification:

1. When you enroll or change 2SV contact methods
2. At login
3. When specific online banking tasks are attempted, including changing your password, adding a new bill payee, or setting up an e-Transfer recipient.

How do I set it up?

You’ll be prompted to set up 2-Step Verification when you log in to online banking or our Mobile App after September 12. Simply follow the prompts on screen to get started.

Will my memorized account information be affected?

Yes, your memorized account information for online banking access will be lost when we upgrade your online banking experience. You’ll be able to use the same password, however you will need to re-enter your Access Card number. If you use Face ID or Fingerprint ID, you will be able to set it up again, once you have logged in with your Access Card number and password.

Can I mark a device as “safe” to be asked for a 2SV code less often?

Yes. A checkbox will appear on the device (i.e. browser or app) to be asked for a 2-Step Verification code less often when logging in on that device. You may still be asked when conducting other transactions online.

Do verification codes expire?

Yes. Verification codes are only valid for 10 minutes once generated. Each new code replaces any previous code sent to you.

How long does it take to receive a code?

Codes should be received almost immediately, within several seconds, sent by email, text, or voice call. If you don’t receive a code through the expected contact method, click the link to send another code.

Do I need to do anything differently to use online banking going forward?

The way you log in to your accounts can change as we upgrade technology and enhance security features. To maintain uninterrupted access to your accounts you must use your Access Card to login to online banking. This number is different than your MEMBERCARD debit card number. Here's what you should do:

Enter your Access Card number the next time you log in to online banking (the first eight digits may or may not be pre-filled; don't include the dash).

Can't find your Access Card or don't have a record of your Access Card number?

No problem, just give us a call at 1.888.672.6728 and we'll be happy to provide it to you.

Can I register multiple 2-Step Verification contact methods?

Yes. When you first enroll, you can enter only one choice (text, email or voice call) to receive notifications. However, you can update your contact information using the Profile and Settings screen to add another notification channel.

The 2SV code was sent to an email or phone number I no longer have access to. What should I do?

Visit any branch or contact our Member Contact Centre. We can help!

What should I keep in mind if I travel outside of Canada?

If you are planning a trip outside of Canada, be sure you will have access to the contact method you are currently using for 2-Step Verification. If you have selected text notification but will not have your usual mobile device with you on your trip, you can update your contact information to receive these kinds of notifications by email.

Follow these steps to change your 2-Step Verification contact information:

1. Sign into online banking
2. Click on Profile and Settings
3. Choose Change 2-Step Verification Information
4. Update your contact information