Q. What is Dual Authentication?

A. Dual Authentication is also known as Enhanced Login Security and provides security at login, no matter what computer you sign in from, using additional authentication that helps protect against on-line fraud.

Q. Why is Dual Authentication needed?

A. The Federal Financial Institutions Examination Council (FFIEC) recently issued guidelines that require credit unions and other financial institutions to improve their online banking systems by adding Dual Authentication.

Q. Do I need to register all the computers, including laptops, I use to access eBranch?

A. No. However, you may register any and all computers you routinely use for on-line account access. You may choose not to register public computers such as a library or airport kiosks.

Q. Is there a limit to the number of computers/laptops I can register?

A. Yes. You may register a total of 15 computers/laptops you use to access on-line banking on a routine basis.

Q. What should I do if I cannot remember my User ID?

A. If you have forgotten your User ID, simply click the “Forgot User ID” link on the home page. You will be asked to provide your social security number (SSN) and the answer to one of your security questions. If the information provided is correct, your User ID will be sent to your registration e-mail address.

Q. What should I do if cannot remember my password?

A. If you have forgotten your password, enter your User ID, click go and then click on the link “Forgot Your Password.” You will be asked to provide your User ID, member number and the answer to one of your security questions. If the information provided is correct, a temporary password will be sent to your registration e-mail address. Please note that your temporary password will only be valid for 24 hours and can used only to access eBranch to change your password.

Q. What should I do if I cannot remember the answers to my security questions?

A. Call Member Services at 1-800-431-2754, (914) 921-0500 or (781) 647-9400.

Q. Can I register my PDA?

A. No. Hand held devices (BlackBerries, Treos, and Palms) are not compatible with the USAlliance website.

Q. What browsers does the Dual Authentication support?

A. All browsers currently supported by eBranch will support Dual Authentication.
The browsers are:

• Microsoft Internet Explorer V6.0 and higher, with 128-bit encryption
• Netscape V6.0 and higher, with 128-bit encryption
• America Online (AOL) V9.0 and higher, with 128-bit encryption

Macintosh Users (Operating System: MAC OS X, version 10.4)

• Safari 2.0
• Netscape 7.2 for MAC OS X
• Internet Explorer 5.2.3 for MAC OS X

Q. Can I access multiple accounts from one computer?

A. Yes.

Q. Will I still need my member personal identification number (PIN)?

A. Yes, although not to gain online account access after you register. Your PIN will be replaced by a password which you will create during the registration process. However, you will continue to need your PIN to transfer funds to another member’s account while in eBranch as well as to obtain account information when speaking with a Member Services Representative or using Dial-Up, the Credit Union’s automated telephone access system.

Q. If my computer is already registered, why am I being asked to answer security questions?

A. Sometimes the registration of your computer is removed while either reinstalling Windows or other software. If this happens you may have to re-register the same machine.

Q. What should I do if I am unable to register my computer?

A. Call Member Services at 1-800-431-2754, (914) 921-0500 or (781) 647-9400.