Digital Banking: 2-Factor Authentication

Young woman looking at her phone while in an car dealership.

Two-Factor Authentication (sometimes referred to as 2FA or 2-Step Verification) is a security measure that gives you a one-time access code to log in to Digital Banking. This will be set-up during enrollment, and you can use this step-by-step guide to walk you through the process and also help set-up 2-Factor Authentication for Joint Account Members.

Setting up 2-Factor Authentication during enrollment


Follow the steps below to enroll for Digital Banking and set-up 2-Factor Authentication. If there are joint members on your account, complete your enrollment first, then follow the steps in the next section – “Enabling 2-Factor Authentication for Joint Members”, so your joint members can also access your Digital Banking.

  1. From your desktop, navigate to www.kemba.org and click “Sign In” or from your mobile device, download and open the new KEMBA Financial Credit Union app
  2. Click “First Time User? Enroll now”
  3. Follow the prompts and enter the information for the primary account holder. You will need to input:
    1. Social Security Number
    2. Member Number. *Please note, this is a 4-10 digit number that can be found on the bottom of your checks.
    3.  If you have a 12-digit number, please disregard the first two digits.
    4. Email Address
    5. Mobile Phone Number
  4. Complete the 2-Factor Authentication:
    1. Click “Get Started”
    2. Choose the verification method you would like to use.
      1. Voice or SMS Text Message: Enter a phone number and choose either “Text” or “Phone Call”
      2. Authy App: Enter the email address and telephone number associated with the app.
    3. You will then be sent a verification code via the channel selected above, enter that code to complete 2-Factor Authentication.
  5. Create a username and password. This can be the same as your old credentials, or you can select new ones.
    1. If you are enrolling on the Mobile App, you will be asked to enter and confirm a 4-digit security code and will be given the option to set up biometric security as well.

The following video walks you through the full enrollment process, including 2-Factor Authentication set-up on Desktop.























Setting up 2-Factor Authentication for Joint Account Members


Only one Digital Banking username and password is available per member account and is set-up during initial enrollment. In Digital Banking, you can set-up other users’ mobile numbers for 2-Factor Authentication, allowing verification codes to be sent to each user individually. Follow these steps to complete the process of adding multiple users with 2-Factor Authentication.

NOTE: Please enroll in Digital Banking first. Then, to set-up 2-Factor Authentication for joint members, follow these steps when all users are available to be together.

Mobile App Set-up


  1. Sign into Digital Banking from your mobile device
  2. Click on your name at the bottom of the menu, and choose “Settings” from the list
  3. Click on “Security”
  4. Click on “2-step verification” under the “Verification options” section
  5. Under the “Add another method” section, select “Set up” for the method you would like to use for your joint member’s 2-Factor Authentication
    1. Voice or Text Message, Authy, or another Authenticator app
  6. Enter the information requested based on your authentication choice. The code will be sent to the new user via the method you selected.
    1. Please note, when adding the 2-Factor Authentication set-up, a PIN will be sent to the new account member for the first member who initially enrolled the account to input into their device to complete the process.
  7. When the Joint Member signs in for the first time, if the 2-Factor Authentication method you set-up is not presented on the 2-Factor Authentication or confirm phone number screen, may have to select “Try another way” to see all 2-Factor Authentication options. Please see screenshot below.

2FA "Try another way" screenshot


Desktop Set-up


  1. Sign into Digital Banking from your desktop browser
  2. Click on your name at the bottom of the menu, and choose “Settings” from the list
  3. Click on “Security”
  4. Click on “Edit Settings” under the “Two-factor authentication” section
  5. Under the “Add another method” section, select “Set up” for the method you would like to use for your joint member’s 2-Factor Authentication
    1. Voice or Text Message, Authy, or another Authenticator app
  6. Enter the information requested based on your authentication choice. The code will be sent to the new user via the method you selected.
    1. Please note, when adding the 2-Factor Authentication set-up, a PIN will be sent to the new account member for the first member who initially enrolled the account to input into their device to complete the process.
  7. When the Joint Member signs in for the first time, if the 2-Factor Authentication method you set-up is not presented on the 2-Factor Authentication or confirm phone number screen, may have to select “Try another way” to see all 2-Factor Authentication options. Please see screenshot above in the directions for Mobile App Set-up.
































































































At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
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