User Guide — Security

Actionable Alerts display an alert within Online Banking notifying you to take an action. Types of alerts could include:

• Confirm Contact Information
• Payment Due Soon
• Payment Past Due
• Confirm Trial Deposits

Opt-In Alerts allow you to customize your experience, so you’re notified when you want to be.

To add or edit an Alert from your desktop computer, navigate to the Tools tab and select Alerts. Using the dropdown menu, select the account you would like to add or edit an alert for (Checking, Savings, etc.).

When you toggle an alert on, you will be required to choose the delivery method you want to receive the alert (email, SMS, or push notification) and any questions that may pertain to the alert (ex: balance-related questions for alerts about account balances, loan payment questions for alerts about Loans).

• Email: to choose an email as a notification, you must have a valid email address assigned to the account.
• SMS: to receive SMS notifications, you must have enabled SMS messaging and confirmed at least one mobile number.
• Push Notification: to choose a mobile device as a push notification destination, you must have previously logged into the Online Banking platform from that mobile device.

Once your preferences are set, click save.Some alerts you can opt into include (but not limited to):

• Balance
• Debit Card purchase
• Loan Payment Due or Past Due
• Online Banking Access
• Transaction Alerts

Multi-factor authentication (MFA) is a security feature requiring multiple authentication methods to verify your identity.The verification codes can be delivered via three methods:

• SMS
• Voice call
• Email
• 2FA App

To verify your contact information and select your preferred contact method, go to Tools > Settings > Contact. In this section, you can edit your address, phone number, and email address.

To enable or modify your MFA security, go to the tools tab on your desktop computer and select settings.

To enable MFA, follow these steps:

• Click the pencil icon to edit and select enroll.
• From a two-factor authentication app (examples: Google Authenticator, Authy, or Duo), scan the QR code.
• Select the method to receive the code (email, SMS, or phone).
• Enter the code where prompted.
• Check the box next to “preferred authentication method” to finalize the MFA login.
• Next to “Require Two-Factor Authentication For Each Login” to On

Yolo Federal recommends enabling MFA when logging into your Online Banking for added security and protection.

Note: If biometrics is active for the Mobile App, MFA won’t work.

Username

To update your Username, go to Tools > Settings > Security.

Under the security section, you can edit your Username and Password. Click the pencil icon next to your Username.

New Username requirements:

• At least 8 (eight) characters but no more than 40 (forty)
• Can use letters and numbers
• Can have special characters

Password

To update your password, go to Tools > Settings > Security.

Under the security section, you can edit your Username and Password. Click the pencil icon next to your password.

You will be required to enter your current password and then your new password.

Password Requirements:

• At least 12 (twelve) characters
• At least 1 (one) uppercase letter
• At least 1 (one) lowercase letter
• At least 1 (one) number
• At least 1 (one) non-alphanumeric character