Multifactor Authentication is a security system in which more than one form of authentication is implemented to verify the legitimacy of a transaction. In contrast, single-factor authentication involves only a user ID and a password. For Multifactor Authentication, the user will be required to create challenge questions and answers. A challenge question will be presented when the user deviates from his or her “normal usage profile” (e.g., logging on from different computers, etc.).
In addition, Cash Management Customers of The Westchester Bank will have RSA Tokens. The code from the token must be entered on TWBUSA.COM in order to gain access to the site.