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March 14, 2022
Keep Your Accounts Safer With Multifactor Authentication
In today’s digital world, fraudsters never sleep. They’re always planning schemes to get your personal information, including your passwords. Most people have lots of different digital accounts for everything from finances to social media, so it’s increasingly important to take steps to keep your personal information safe. One way you can help protect yourself is by using multifactor authentication (MFA) whenever it is available.
What is multifactor authentication (MFA)?
Multifactor authentication (MFA), also called two-factor authentication (2FA), is a security method that adds an extra layer of protection to the sign-in process. It requires users to verify their identity in additional ways beyond just entering a password. The added step (or steps) can be a variety of things, like scanning your fingerprint on your phone’s fingerprint reader, approving sign-ins using push notifications or entering one-time passcodes.
How does multifactor authentication work?
By enabling multifactor authentication on an account, you’ll keep would-be identity thieves from getting into that account with a password alone. You can typically choose a multifactor identification method among the following options:
Something you know: passwords, passphrases or PIN codes.
Something you have: a specific security app or digital token, your email or your phone.
Something you are: fingerprints, facial recognition or voice recognition.
Does Grow have multifactor authentication?
We’ll automatically require a second method of identification when you log in to your Grow account from a new device, browser or geographic area. To turn on multifactor authentication for every future login:
- Select Settings from the main menu in online banking from a desktop computer.
- Navigate to the Security tab.
- Enable two-factor authentication.
When you enable two-factor authentication at Grow, we’ll send you a secure, one-time code via text or call (depending on what you choose in your settings) each time you log in. This means that to enter your account unlawfully, someone would need both your account password and physical access to your phone, which is unlikely. Two-factor authentication is a great deterrent for identity theft! We’ll never call you and ask you for the one-time code. You’ll only be asked to enter it on the log in screen. Remember to never read anyone security codes over the phone.
For more details about multifactor authentication, check out this MFA info sheet from cisa.gov.
Phishing scams, online scams and identity theft are increasingly common. Learn additional ways you can keep yourself safer online.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal and home equity loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card and personal loan payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for mortgage and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733