Great online security makes it easy for you to access your accounts, but virtually impossible for everyone else. That's why STCU offers a combination of protections to provide "multi-factor" security when you access your online accounts.
If you're logging in from an unrecognized computer or mobile device, you can set your login to complete one of three security steps before proceeding — security questions, text security codes, or security token. (Screenshot No. 1.)
Security questions are the default security method for logging into STCU online banking. You answer two of the five security questions you configured on your account. The questions are generated randomly and should be easy for you to answer, but difficult for others to find out.
However if you are concerned that a relative or "friend" might guess the answers to your security questions, you can enable either "Text" or "Token" security options described below, and then disable the use of security questions.
The text security option blends secure access with convenience. When logging in, you receive a random 8-digit security code to your text-enabled phone, often within seconds.
But if you're concerned that someone could use your phone to snatch the security code for accessing your accounts, you may want to use security tokens, as described below.
STCU offers two types of tokens: Soft tokens, which are digitally generated, and hard tokens on a physical key fob:
For devices that support this option, you can access your accounts even faster with a PIN-based Quick Login and Touch ID®. Look for the Quick Login option when you open your STCU mobile app. For many iPhones and other Apple devices, the TouchID option — which allows you to register your thumbprint as a security check — is offered after you enter your Quick Login PIN.
To save time, you can register your private computer when logging in to spare yourself from repeating some of the security steps during future logins. If you sell or lose your device, you can "unregister" it online.
The image and phrase you choose during your first login assures you are at STCU's online banking site — not an imposter's.
STCU requires members to use strong alpha-numeric passwords of eight characters or more.
If any of your security settings or contact information gets changed online, we'll alert you by e-mail immediately so you can confirm that there's been no unauthorized tampering of your account.
Once you're logged into STCU’s online banking, your profile shows a complete history of your login activity, confirming that you're the only one accessing your accounts.