Is Dual-Authentication Necessary?

Marine Bank

Woman at laptop also using phone glasses on table


What is Dual-Authentication?

Dual authentication, also known as two-factor authentication, is a system that requires two methods of confirming your identity. This can include:

1. Something you know – A password, username, pin code or an answer to a secret question.
2. Something you have – A physical device such as a smartphone, a key fob or a USB drive.
3. Something you are – A fingerprint ID, retina scan, DNA or voice recognition.


Why is Dual-Authentication Important?

This authentication system makes it more difficult for an attacker to get your information and it reduces the risk of fraud. Because the security of your banking information is a top priority to Marine Bank, we use dual authentication as an additional step of protection for digital banking.

It might seem like this added step is unnecessary as you log in to your account, but it significantly decreases the chance that you will have to deal with someone stealing your information. To make dual authentication easier for you, we’ve developed Device Fingerprinting. This means your information, such as hardware, browser, and operating systems, are remembered. However, if a hacker attempts to log in to your account from another system or if there are changes to your system, it will require dual authentication.

We know that life is busy and you already have enough stuff to worry about. The last thing you need is an attack from a hacker trying to steal your banking information. Dual-authentication gives you added security of your sensitive information - and that means you have one less thing to worry about.

Did you find this helpful? Leave a comment below if you’d like to know more about this subject or if you’d like us to dive into another financial topic.

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