Google and Microsoft Authenticator apps work by providing the unique one-time passcode on your mobile device or tablet. Instead of waiting for a call, text, or e-mail, simply choose your authenticator during login to request a passcode, then tap on your app to retrieve the code to complete the login process. Two-factor authentication makes logging in safer and using an authenticator app makes the process even faster. A simple tap logs you in, but a thief would need not only your password but access to your phone at the time of login to gain access to your account.

Google and Microsoft authenticators work in the same basic way. According to PCMag, Microsoft Authenticator creates online backups of your account codes, a very helpful feature if you lose your phone. Microsoft Authenticator also supports Apple Watch, which Google Authenticator does not. However, Google Authenticator has the advantage of operating on the Android operating system, which prevents screenshots when the app is in use, a good security feature. Bottom line: both apps get the job done. It really comes down to your preference with the devices you use. A word of caution: enabling two-factor authentication with an authenticator app means that if you lose access to the device and do not have an available online backup, you could find yourself locked out of your accounts.

Interested in this option for securely logging into your Kirtland FCU Online Banking account?

• Log into Online Banking
• Click My Settings
• Select Security Options
• Choose Edit
• Toggle the Authenticator option to ‘On’ and follow directions for setup.