MFA adds a layer of protection to your online account by letting you know it's really us and letting us know it's really you.

Letting you know it's really us – Personalized MFA Image and Image Name

1. You pick one of thousands of MFA images and then give the image a name to help identify it to you.
2. Every time you attempt to log in to your online account, your MFA image and image name will appear on the password screen.
3. Seeing your MFA image and image name will let you know that you are accessing the correct website.
4. If the correct MFA image and image name do not appear on the password screen, do not enter your password. Exit the site and attempt access at a later time.

Letting us know it's really you – Security Questions and Answers

1. You choose several security questions from a list and assign answers that only you know.
2. The system will learn the characteristics of the computer, Internet Service Provider (ISP) and programs typically used to log in to your online account. When the typical characteristics are displayed, your MFA image and image name will appear on the password screen.
3. When you attempt access from a different computer or browser, or should someone else attempt access to your account, the system will ask security questions in an attempt to verify visitor identity.

Remember: Once you have chosen your MFA image and image name, never enter sensitive information such as your password without first verifying the correct MFA image and image name are displayed.

Your answers should be easily remembered, yet not readily known by others. Try to avoid using answers that could change over time. Type your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions.

Do not enter your password until you see the MFA image and image name that you have chosen. If the MFA image is not displayed, exit the system.

You will only be prompted to answer some of your MFA questions when a particular access characteristic appears to be unusual or not what the system considers typical behavior.

The security system takes into account factors such as the computer you typically use to access your online account, the computer security settings, and the browser typically used. Hundreds of factors such as these are used to create an account profile that is unique to you and allows the system to make decisions about whether the visitor attempting to access your account is likely to be you.

After you have chosen an MFA image and image name, you will see the MFA image each time that you access your account. Your MFA security information should be updated periodically.

In addition to your online account log in credentials, a fraudster would have to have the answers to all your security questions in order to gain access to your online account. If a fraudster were to try and guess at the answers to your security questions, the system will lock the account for your protection.

Security experts recommend monitoring account activity regularly, so you are right on track. The added layer of MFA security is another safeguard which is applied to your online account.

Yes, you can both use the same computer to log in to your individual accounts. There is no limit to the number of people who may access their online accounts from the same computer. The system will maintain separate account profiles for each online account; the profiles may simply have some characteristics in common.

Yes, in fact, JCB encourages changing all MFA security information periodically to ensure maximum protection by the system.

Anti-virus, anti-spyware and firewall software are crucial to safeguarding any information stored on your computer. Be sure to keep all versions and data definitions up to date for effective protection. The MFA security system compliments these protections. All these security layers ensure maximum protection from fraudsters.