The multi-factor authentication security solution is an enhanced online security feature that is now a standard part of your Internet banking solution logon. As a part of our ongoing commitment to help protect you against identity theft and fraud, multi-factor authentication provides you added safety by helping ensure that only you can access your bank account. Our multi-factor authentication is three layers of protection. Your access ID and password, device location, and geographic location are all layers of protection. Also when you see our EV certificate on the password page you can be confident that you are at the legitimate bank web site, not an imposter site. There is additional information on all these security features in the question above.
In addition, the multi-factor authentication solution remembers which computer(s) you normally use, preventing potential fraudsters from logging into your account even if they somehow get or guess your username and password.