Online Banking Security

Multi-Factor Authentication (MFA)

The Layered Authentication is a security feature designed to protect the privacy and security of your personal information. The display of the Authentication image and pass phrase verifies you are at our Web Site, not a fraudulent look-alike site. The Challenge Questions/Answers are used to identify you and prevent unauthorized access to your information. Registering the computer(s) you normally use to access your information provides additional security to verify your identity. You will now put your access ID in on the first page and then answer a challenge question on the second page (unless you have registered your computer). Once you answer the challenge question and submit your answer and it is accepted by the system you will be directed to the password page with an image, here you will enter your password. If you try your password 3 times and you get this message "Login information is incorrect. Please verify your Access ID and Password are correct. Your Access ID and Password are case sensitive" your account will be locked out and you will need to call your local branch and have a customer service representative unlock your Internet banking account and reset your password. 800-498-0013.

 First Federal of Northern Michigan is committed to protecting your personal information.

We will never ask you for personal or account information in an email.

Today there are identity thieves who use various techniques to deceive you into divulging personal and financial information. There are steps you can take to keep your information private.

• Change your internet banking password frequently and use passwords that are at least seven characters long with a mix of letters and numbers.

• Do not use names or numbers, such as social security numbers, phone numbers or family names.

• Use a mix of lower and upper case letters and special characters in your password.

• Do not disclose your password to anyone.

 Be aware of potential phishing scams

• Phishing is a high-tech scam that uses spam, email messages or pop-up messages to deceive you into disclosing credit card numbers, bank account information, social security numbers, passwords or other sensitive information.

• How does phishing work? Scammers send you an email with a link to what appears as a legitimate website and then asks you to fill out a form with personal and or financial information, that data is then sent to the scammer.

• To protect yourself against this type of identity theft, you should always type the address of your financial institution in the address bar of your web browser. Do not click on a link in an email to connect to your financial institution.

If you suspect your accounts have been compromised in any way, please contact your local branch of First Federal of Northern Michigan or contact us at 1-800-498-0013.