Enhanced MFA

Yes. Reach out to your local branch or the Contact Center at 907-777-4362 to enable this option on your account.

If you responded “stop” to the SMS text messages, you will need to reset your phone number by following the steps below:

1. Log in to Personal Online Banking.
2. Click on Profile.
3. Click on the Security Challenge section.
4. Delete phone number and click Save.
5. Re-enter the phone number and click Save.

If you have any trouble, reach out to your local branch or our Contact Center at 907-777-4362.

No, there is no default contact method setting. When prompted, you will always need to select to receive the one-time passcode via SMS text message or an automated phone call.

Yes, as long as you are not trying to access your account from a blocked country. Automated phone calls are not compatible with international numbers. To access your account using an international number, you need to provide a mobile number to receive your one-time passcode via SMS text message.

If you believe you are not able to access online or mobile banking based on your geographic location, contact your local branch or the Contact Center at 907-777-4362.

You expect First National to ensure your accounts are safe. This enhancement helps us meet that expectation. Benefits of the new enhanced MFA system include:

• Increased security – A new real-time login monitoring system that includes robust device recognition and real-time threat monitoring technology.
• Best practice – We are replacing security questions with the industry-standard practice of using one-time passcodes sent via text or automated phone call.
• Improved customer experience – You will experience reduced login interruptions by only being prompted with an MFA challenge when suspicious activity is detected.

Yes, when Enhanced MFA is implemented on Sept. 17, you will need to re-link your First National accounts to financial data aggregator and third-party financial applications, such as Empower Personal Dashboard, Monarch Money, YNAB, Plaid, Yodlee and Intuit (CreditKarma /TurboTax). After relinking, your accounts should stay connected without disruption.

Yes, as long as your VPN does not route through a blocked country. If you believe you are not able to access online or mobile banking based on your geographic location, contact your local branch or the Contact Center at 907-777-4362.

We are actively pursuing the option to receive one-time passcodes via email and hope to be able to offer this solution in 2026. We do not currently have plans to offer the ability to receive one-time passcodes via an authenticator app.

You will only be prompted to enter a one-time password if you are accessing your account from a new device or our system detects suspicious behavior. The new MFA system checks

• Device type
• IP address and location
• Internet connection type and routing
• Browser version detail

You will receive an error indicating the wrong number was entered, and you will be asked to try again. As a security measure, if the one-time passcode is entered incorrectly five times, your account will lock. You will need to reach out to the Contact Center or visit a branch to have your online banking access unlocked.

Reach out to your local branch or the Contact Center at 907-777-4362.

When logging in for the first time, you may be asked to answer one of your standard security questions. Then, the system will prompt you to enroll in Enhanced MFA by adding and verifying phone number(s) where you can receive a one-time passcode via SMS text messages or automated phone calls.