Two-factor authentication (2FA) is a method for helping to keep online accounts more secure by enforcing the use of two of these types of “factors”:
1. Something you know (like your password)
2. Something you have (like your mobile phone)
3. Something you are (like your fingerprint)
Two-factor or multi-factor authentication is a common and recommended practice for protecting important accounts such as those associated with financial services.
2FA strengthens an account’s security because the second factor acts as an additional “gate.” This extra gate helps your account security by reasonably verifying that you are who you say you are after you submit your correct email address and login password.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files and buildings.
We never sell or share your personal information with any third party that is not part of our network, such as a partner bank or processing entity. We will never send you emails or texts for marketing purposes unless you have opted to receive them, and you can opt out at any time.
If you do not receive the two-factor code, then try the following:
SMS
If you chose to receive your authentication code via text message, make sure your device is connected to your carrier’s network and your service plan and mobile device supports text messages. Delivery speed and availability may vary by location and service provider.
Some modern phones may have a security app that sends text messages from unknown callers to a spam folder. Try disabling any third-party security apps on your phone, and then request that another verification code be sent.
Log into your VIRA account profile and verify the email in your profile is spelled correctly and it is the current email you want to use to receive your 2 Factor Authentication code. Check your spam or junk folder for the authentication email.
- ID not located
- Address not located
- Date of Birth does not match
- Single address on file
- Warm address alert
We use a third-party banking identity verification vendor that has access to millions of identities, but we cannot always locate an ID electronically. When this happens, you will need to contact our support team to provide documentation to verify your identity that is acceptable to our partner banks.
COPPA Alert
The Child Online Privacy Protection Act went into effect in April of 2000. To qualify for a VIRA account, you must be at minimum 18 years of age. If you are receiving this error, then there is likely a mistake in the year on the date of birth entry field.
OFAC or Watchlist Error
This error can be encountered if your name matches a name on the Office of Foreign Asset Control list, Specially Designated Nationals list, or another list that we are mandated to cross check during your identity verification process by the Patriot Act.