Two-Factor Authentication

How?

Upon logging in to OBA Bankonline, you will be asked to request a security matrix. Your unique security matrix will be delivered to the valid email address you provide. When logging in to OBA Bankonline again, in addition to your user name and password, you will need to enter three different coordinates from your unique security matrix. You will need to enter a different combination of coordinates each time you login, using the same unique security matrix you received. You may request a new security matrix at any time.

Why the Change?

We value your privacy and the protection of your identity. Traditional sign-ons provide minimal security since they are static and can be easy to steal, break, or crack. Two-factor authentication provides added security against identity theft, phishing, spyware, and other online scams.

What is Two-Factor Authentication?

An additional layer of online security that provides a second factor of verification to protect your online identity. The first factor is something you know, like a user name and password. The new, second factor is something you have. At OBA Bank, you will receive a security matrix (similar to a bingo card) containing numbers and letters arranged in a row-and-column format.

What is a security matrix?

A security matrix is a bingo-like card containing a grid pattern of numbers and letters. Along with your user ID and password, this security matrix will be required to log in to Internet banking to verify your identity. A particular value will be identified by its column and row coordinates.

How do I obtain a security matrix?

Consumers
Security matrices are delivered via a valid email address. Once this new authentication system is active, the first time you log in to OBA Bankonline you will enter your sign-on ID and password as you normally would. Next, an email validation page will appear. The screen will display your current home and/or work email address. You will need to confirm a current email address for the security matrix to be delivered. If your email address has changed, select the 'Home' or 'Work' radio button, enter the correct email address in the 'Enter Email Address' and 'Re-enter Email Address' fields. Click the 'Confirm' button. If your email address has not changed, select the 'Home' or 'Work" radio button and click 'Confirm'. The two-factor authentication security matrix is emailed to the selected email address. Look for an email in your inbox from "bankonline@obabank.com".

Retrieve and store your two-factor authentication email. Now you may sign on to OBA Bankonline entering your sign-on ID, password, and coordinates requested from your security matrix.

Businesses
Security matrices are delivered via a valid email address. Once this new authentication system is active, the first time you log in to OBA Bankonline you will enter your sign-on ID and password as you normally would. Next, an email validation page will appear. The screen will display your current email address on file. If your email address has changed, enter the correct email address in the 'Enter Email Address' and 'Re-enter email Address' fields. Click the 'Confirm' button. If your email address has not changed, click the 'Confirm' button. The two-factor authentication security matrix is emailed to the selected email address. Look for an email in your inbox from "bankonline@obabank.com".

Retrieve and store your two-factor authentication email. Now you may sign on to OBA Bankonline entering your sign-on ID, password, and coordinates requested from your security matrix.

What if I don't receive the email containing my security matrix?

The email will come from "bankonline@obabank.com". If you don't see or receive the email, please first check your "junk" inbox or your email spam folder. If you still have any questions or problems, please contact us at 301-916-6400.

Can I have the matrix delivered to more than one email address?

No. Security matrices are only delivered to one (1) email address.

May I request a new security matrix?

Yes. If your security matrix is lost, stolen or damaged, or you simply would like a new security matrix for whatever reason, you may request a new security matrix at any time. The OBA Bankonline sign-on page allows consumers or businesses to request a new security matrix without having to contact the bank.

May multiple OBA Bankonline users share the same security matrix?

Passwords, sign-ons, and security matrices should never be shared for security reasons. Each OBA Bankonline user should have his or her own sign-on ID, password and security matrix to access their Internet banking.
Consumers: Please enroll online to obtain an Internet banking sign-on.
Businesses: Please contact your business system administrator to obtain an Internet banking sign-on.

What if I lock myself out of OBA Bankonline when using the security matrix?

Contact us at 301-916-6400. For businesses, your business system administrator has rights to re-activate and issue a new security matrix for the business' sub-users.

What if I provide incorrect security matrix values during my log in?

You will receive an alert/error message. Click the "sign-on" link on the left side of the screen and re-enter the new coordinates requested.

What if I receive an Alert screen?

If your sign-on ID and password are invalid when requesting a new security matrix, an 'Alert' displays indicating the sign-on ID and password are invalid. You may attempt to request a new security matrix again. After three (3) invalid attempts to request a new security matrix, you will be locked out. Contact us at 301-916-6400.

As a customer of OBA Bank, am I required to use two-factor authentication?

Yes. All OBA Bankonline customers will be required to use the two-factor authentication method when logging in to the OBA Bankonline system. You may not opt-out of two-factor authentication.

Is there a charge for the two-factor authentication?

No. This enhanced Internet banking security feature is provided free of charge.

Once I receive a security matrix, do I have to use it to log in to OBA Bankonline every time?

Yes. You will be required to use the security matrix each time you log in to OBA Bankonline. Each time you log in, you will be asked for a different combination of coordinates from your unique security matrix.

If I go out of town and want to check my account online, will I need to carry my security matrix with me?

Yes. This is required as a second form of identificiation with your password. If you don't have the security matrix card with you, you can always request a new one online thru the online banking website. However, at the remote location you will need to be able to get access to your specified email registered with OBA Bankonline.

Will telephone banking have two-factor authentication also? Will access to telephone banking change?

No. Telepone banking is a different system and it is going to stay the same. Two-factor authentication is only for access to online banking.