Multi-factor authentication is technology that requires you to identify yourself in more than one way. Usually, it's something you have, along with something you know. For example, an ATM uses a two-factor authentication. Your ATM card is something you have and your PIN (personal identification number) is something you know. If you are using token authentication, when you log in to Business Online Banking, after you enter your Access ID, you are required to enter the number displayed on your token (factor one) plus the PIN you previously selected (factor two). When you log in to Personal Online Banking, after you enter your Access ID, you are required to verify an image that you previously selected (factor one) and then enter your password (factor two).
Do not click on a Voyager Bank web site link delivered to you by unsolicited email. Open a new window with your browser and type www.voyagerbank.com. The Online Banking web sites require you to log in using “multi-factor authentication” to ensure the authenticity and security of the web site.
There are many types of email scams. A common type of email fraud involves the use of phony emails called “phishing emails” that ask you to provide sensitive personal, financial or account information. You may be asked to supply the information in a return email, in a separate form attached to the email or by visiting a phony website using a link contained in the email message. The people attempting to get this information may use it to access your accounts directly, including withdrawing money, or to open new accounts in your name using your information.