
Enhanced 2FA

Enhanced Security Changes coming June 29, 2026
Starting June 29, 2026, additional security measures will be implemented to help protect your online banking account.
As part of this enhancement, text/phone verification will no longer be supported as a two-factor authentication (2FA) method for business customers.
Business customers currently using text/phone verification will be required to enroll in a supported Enhanced 2FA method.
Customers already enrolled in an Enhanced 2FA method will not be impacted and no action is required.
What to Expect
As unsupported text/phone verification methods are removed, impacted customers will automatically receive an email notification confirming the removal of that verification method.
This is an expected security notification and will prompt customers to log in and enroll in a new Enhanced 2FA method.

Instructions
Once logged into Online Banking, this screen may display. Select Set up new method

If a “high risk” action such as Wires, ACH or Admin Changes are attempted without a properly enrolling in an Enhanced 2FA option, this screen will display. Select Ok.

This screen will display when registering the new Enhanced 2FA option. Select Get started.

This screen displays the available Enhanced 2FA options. Select your preferred method.

Available Enhanced 2FA Options
Passkey
Passkeys use built-in biometrics, such as Face ID or fingerprint authentication, with a QR code scanned on your mobile device to securely verify your identity.



Security Key
A Security Key is a physical token that connects to your computer through USB, Bluetooth, or NFC to securely authenticate your login.
All physical keys must comply with FIDO security standards.
Recommended Security Keys include:
- Titan Security Key
- YubiKey Bio Series


Symantec Hardware/Software Token
Hardware Token
A physical token that generates secure authentication codes.
To request a hardware token, please contact Treasury Management or eBanking.
VIP Access Mobile App
A mobile application that generates secure authentication codes directly from your device.
Please download the app, VIP ACCESS.



Authenticator App
An Authenticator app is a mobile application that generates a rotating 6-to-8-digit verification code that refreshes approximately every 30 seconds to securely verify your identity.
Recommended authenticator apps include:
- Duo Authenticator
- Google Authenticator
- Microsoft Authenticator



Frequently Asked Questions
Why is this change being made?
These enhanced security measures help better protect your online banking accounts and sensitive financial information.
Who is impacted?
Only business customers currently using text/phone verification for 2FA will need to enroll in a new authentication method.
Customers already using an Enhanced 2FA method will not be impacted.
When will this change take effect?
The change will begin on June 29, 2026.
Will I receive a notification?
Yes. Impacted customers will automatically receive an email notification when their text/phone verification method is removed.
This is an expected notification and part of the security enhancement process.
Once you receive this email notification, please log in to Online Banking and enroll in one of the available Enhanced 2FA methods to continue securely accessing your account.
We’re Here to Help!
If you need assistance or have questions, please contact your local West Michigan Community Bank branch.