TLC Community Credit Union uses "Multi-Factor Authentication" for mobile banking users as a security measure to protect your account. The security features will ask you to complete some extra steps depending on what type of transactions you wish to perform.
- A “Red Flag Date” will be set anytime you change your mailing address, alternate mailing address, email address, password, challenge questions/answers, or User ID.
- Whenever this happens, you will be "challenged". This means that you will be asked to "authenticate" by entering a security code that is either emailed to the email address that we have on file for the Primary Member (member listed first on joint accounts), or texted to a phone that is enrolled in TEXT BANKING and listed on the account being challenged. You will only be challenged once per Mobile Banking session.
- You will be asked to authenticate when you log in for the first time or haven't logged in for more than 90 days, when you pay a bill for more than $2,500 (new or existing payee) or whenever you pay a bill within 5 days of the Red Flag Date being set (see first bullet above).