Out-Of-Band Authentication & Duo First National Bank of Weatherford

Please visit https://duo.com/ for more information about using Duo for out-of-band authentication. Out-of-band authentication is a general term used to describe multi-factor authentication where at least one of the factors authenticates against something you have such as a physical device. A typical two-factor authentication scenario using an out-of-band authenticator is as follows:
You log in to a system by entering a username and password (factor #1: something you know) and then you are required to enter/verify a code sent to your mobile device (factor #2: something you have).
Using Duo with push notification is recommended over SMS, email, and voice, but it is not required. Duo is recommended for our personal and business banking customers because:

It supports a variety of authentication methods.
Easy-to-use push notifications – no more 6 to 8 digit codes to enter!
It’s free up to 10 users which is great for personal use.
Duo also has paid plans which is great for organizations who wish to protect their users, devices, and apps.
Supports multiple trusted users and multiple trusted devices, all controlled by you.
Accessibility: https://duo.com/docs/accessibility.
Duo is integrated into our online banking solutions for authentication not just at the time of login, but at various stop points which you can control with a quick call to your local bank branch location, or secure message via online banking.
It’s easy to setup. Just follow the on-screen instructions the first time you log in to the new online or mobile banking application.

By default, your online banking user accounts are set up to require two-factor authentication on all external transfer of funds. This includes fund transfer and bill pay transactions. Two-factor authentication means you will be required to authenticate with something you know – your username

and password – and something you have – a physical device such as a mobile phone. If you would like to tighten your security further, please contact your local bank branch. At your request, we can secure any of the following with out-of-band authentication using Duo:

External Transfers (the default is always on)
Login
Creating Sub-user accounts
Access to Bill Pay
Bill Payment Scheduling
Access to ACH Cash Management
ACH Approval
ACH Wire Approval
Positive Pay Exceptions
Remote Deposit Capture

Click here for a complete set of digital identity guidelines published by The National Institute of Standards and Technology (NIST).

Setting up Out-Of-Band Authentication

If you are a new user, you will receive an invitation via email with a hyperlink that will walk you through the process of setting up your user account with out-of-band authentication.

Setting up your user account for online and mobile banking access will consist of the following steps which include verification of your phone number:

After logging in with your old login id and the last 4 digits of your SSN, you will be required to reset your password and set up security questions and answers.
You may be prompted to accept the Terms & Conditions if you have not already done so.
By default, out-of-band authentication is required for external transfers. If you do not perform external transfers and if you never choose to utilize two-factor authentication, the setup process still requires you to verify a phone number. If you are not using out-of-band authentication, you may use the phone number from a landline for verification.
After verifying your phone number, you will be asked if you would like to use Duo for two-factor authentication. This option is highly recommended.
If you choose to use Duo, you will receive a text message on the device for the phone number previously verified. The text message will contain two links. The first is a link to install the Duo Mobile app on your device. You can also install Duo Mobile from the App Store for iPhone and iPad or Google Play for Android. If you already have Duo installed, you do not need to click the first link.
Once Duo Mobile is installed you will need to go back to the text message and click on the second link, Activate the DUO MOBILE APP. This link opens the Duo Mobile app. You must agree to allow push notifications. After you agree to allow push notifications, you will see First National Bank Weatherford listed at the top of the screen. Now go back to your desktop or mobile device to complete setup.
After setting up one device for use with Duo, you will be asked if you want to set up additional devices or complete setup. If you wish to add additional devices, the setup process is the same as setting up the first device.

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