Multi-factor authentication
Multi-factor authentication (MFA) is a security measure that requires two or more proofs of identity to verify a user. Asking for additional details to confirm your identity provides greater security compared to a password alone, making it harder for criminals to access your accounts or information.
Requirements
Multi-factor authentication requires a combination of at least two factors:
- Something you know (such as a password or PIN)
- Something you have (such as a one-time code or trusted device)
- Something you are (such as a fingerprint or other biometrics)
To help protect your account, we recommend using a security token as a second factor with your Internet Banking Access ID and password. Security tokens are devices or apps that generate unique 6-digit codes. These codes change regularly, expire after a short amount of time, and can only be used once.
Setting up security tokens
We offer the Symantec VIP Access app, also known as a soft security token, digital security token or e-token. The app is free and can be downloaded from the App Store or Google Play.
To set up your security token:
- Download the Symantec VIP Access app from the App Store or Google Play
- Visit your local branch or call us on 1300 651 839
- Provide your security token’s unique Credential ID number
- We will link your security token to your Internet Banking account using the Credential ID
We will only ask you for the Credential ID of your security token so we can link it to your Internet Banking account. You should never share the 6-digit code generated by your security token with anyone.
The Symantec VIP Access app can only be set up on a single device. If you need to set it up on a different device, for example if you get a new phone, follow the steps above for your new device. This will unlink the app on your old device so it can no longer be used with your Internet Banking account.
Using security tokens
To use your security token, simply enter the 6-digit code any time you are prompted for a security token in Internet Banking. The 6-digit code can also be copied to a device’s clipboard by holding down on it. You can then paste it in the security token field in Internet Banking.
To change your security token settings:
- Select the Settings tile (found in the More menu in the Rural Bank app)
- Select Change your token settings
You are required to use a security token for some Internet Banking services like updating your contact details and adding new Pay Anyone contacts. Mandatory options are greyed out in your security token settings and cannot be changed.
Automatic security tokens
If you are using the Rural Bank app, you may be able to automate your security token. This allows the Rural Bank app to generate and enter the 6-digit codes from your security token for you. You can register up to three devices with automatic security tokens.
Automating your security token is just as secure as manually entering the 6-digit codes. You will no longer see prompts to enter your security token, but the 6-digit code is still being entered and authenticated in the background. In this case, you have trusted your device to act as the second factor of authentication.
Before you automate your security token, please note:
- Your security token must be correctly linked to your account
- You must not discard your security token once it has been automated
- Your version of the Rural Bank app must be:
- iOS – 4.6.41 or above
- Android – 4.7.46 or above
- You must have set up a four-digit PIN (though you can log in with either four-digit PIN or biometrics)
- Each device must be registered as an automatic security token individually
- Automating your security token on a device will apply the highest security settings possible, overriding your current security token settings on that device
- Your current security token settings will continue to apply when using Internet Banking on a web browser or the Rural Bank app on a device that has not been registered as an automatic security token
To automate your security token:
- Log in to the Rural Bank app
- Select More
- Select Settings
- Select Change your token settings
- Select the Automate my Security Token banner
- Enter the 6-digit code from your security token when prompted
- Select Register this device
You will receive a message in Internet Banking confirming your device has been registered.
To view the status of your automatic security tokens:
- Select the Settings tile (found in the More menu in the Rural Bank app)
- Select Manage devices
To deregister a device as an automatic security token:
- Select the Settings tile (found in the More menu in the Rural Bank app)
- Select Manage devices
- Select Deregister device
Deregistering a device will also remove your four-digit PIN. You can still use your Access ID and password to log in to that device, or to set up four-digit PIN again:
- Log in to the Rural Bank app
- Select More
- Select Settings
- Select Setup four-digit PIN
- Follow the prompts
Security token troubleshooting
If you enter a 6-digit code and see a “Please provide a valid security token” message, it may be because the code entered was not correct, or your security token may not be linked to your Internet Banking account.
If you have replaced a device which had your Symantec VIP Access app on it, you must download the app on your new device and contact us to link the new Credential ID to your Internet Banking account.
If you are having issues with automatic security tokens:
- Please ensure you have the latest version of the Rural Bank app installed
- Check that your device is registered, and your automatic security token is active:
- Select the Settings tile (found in the More menu in the Rural Bank app)
- Select Manage devices
- If your device is not listed, you will need to set up a four-digit PIN
- If the status next to Automatic Security Token is not Active, follow the steps in the Automatic security tokens section to automate your security token
- If you see an “Unable to activate” message, please try deregistering your device, setting up a four-digit PIN, and automating your security token again by following the steps in the Automatic security tokens section
Further assistance
Please call us on 1300 651 839 or visit your local branch for further assistance if your security token is not working, or for help with the following:
- Linking a new security token to your Internet Banking account
- Checking if your current security token is correctly linked to your Internet Banking account
- Physical security tokens
